BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I recently had my credit profile pulled. Upon looking at this report I have noticed theres an account thats not mine and were never late. I sent a dispute letter in regards to EXPERIAN, XXXX and XXXX on XXXX and XXXX asking that it be removed. Please note response should have been provided by date XX/XX/2021. I have not received report and EXPERIAN, XXXX and XXXX are over the time frame required to submit a report to me. Please investigate and send me an updated 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 non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: VA
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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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:
XXXX shows as an account on TransUnion and XXXX while showing an inquiry on XXXX. All are fraudulent because I've never applied for credit for this service or account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I entered the bank & was racially profiled just because of my cash balance being over a certain amount than the average customer. I have been a Chase customer for years & have not had this poor experience until now. I had a loan that was deposited into my account which had did a credit check under my name and SSN and Chase tells me we need to verify the funds and where this loan came from that I have to pay back under my name ( sole proprietor ) I was approved for it. I was told by the bank teller to provide an XXXX # and my business name. I provided everything they asked for ; went above and beyond. I went into the bank again on XX/XX/XXXX my account is still restricted! I also called the number for the Fraud Dpt that a banker from Chase private client gave me and an XXXX who was very rude on the phone, spoke over me while I was speaking and he hung up on me after waiting over an hour to speak to him said that my tax return is not needed. But the banker XXXX XXXX who assisted me inside the branch asked me for my tax return. I entered the bank again on XX/XX/XXXX and my account is still restricted. With all this run around and waste of my time I just want my bank accounts closed and I will do business elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 have a loan with BANK OF AMERICA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the BANK OF AMERICA but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. 
BANK OF AMERICA XXXX Open Date XX/XX/2014 Balance : {$0.00}.

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 2021-04-21
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: Account information incorrect

Complaint:
My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX. However when I reviewed my credit report I noticed that my student loan was marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports, with all three bureaus. The purpose of deferring a student loan is to protect borrowers credit rating until we are able to pay.

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 2023-11-29
Company: EQUIFAX, INC.
State: FL
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:
There are dozens of inquiries ... ... someone are trying to access credit .... I placed a fraud alert and security freeze but before I knew it there were XXXX inquiries .....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: KS
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 XXXX the Accounts proceeding, 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. 

Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed. 

XXXX XXXX XXXX Account number XXXX Account status XXXX XXXX sold to ; XXXX XXXX XXXX XXXX Original creditor Comments Transferred to another lender Purchased by another lender Contact info Address XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account status Closed This account is passed the statues of limitation period in Virginia. Also In Virginia, the applicable statute of limitations for credit card debts, mortgage debts, and medical debts is five years. After the statute of limitations has expired, a creditor or debt collector can no longer file a collection lawsuit related to that debt. XX/XX/2021 Debt Type : Deadline in Years Credit Card : 5 Auto Loan : 4 Oral : 3 Responsibility Individual Terms 60 Months Contact info Address po box XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX. 

XXXX XXXX CT GA XXXX Reference number XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXX CT GA XXXX XXXX XXXX : If the Chapter XXXX plan is dismissed, If a bankruptcy case is dismissed, the legal affect is that the bankruptcy is deemed void. Dismissed or adjudicated for XXXX years, the Fair credit Reporting Act mentions nothing in Section XXXX relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed XXXX never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section XXXX ( a ) ( XXXX ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.

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 2023-06-13
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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Self Financial Inc.
State: NY
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:
XX/XX/XXXX I disputed this account self account in writing stating I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. No proof of investigation was provided nor was the negative payment status updated for all 3 self accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recognize and have not authorized any of the following inquiries, and they are fraudulent and not attached to any account : XXXX XXXX  ( XXXX XXXX ) XXXX  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

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 2022-01-31
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Plaintiffs, XXXX XXXX XXXX, files the following action against Respondent ( s ) Equifax Consumer Services, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX et al for violating 15 U.S.C. 1681 e ( b ) for intentionally and knowingly failing to assure maximum possible accuracy of information contained within consumer credit reports. XXXX XXXX 1. On XX/XX/XXXX XXXX XXXX requested, pursuant to FCRA 611 ( a ) ( 7 ), a description of all methods used to investigate and/or verify the accuracy of the reported information on alleged bankruptcies filed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 2. On XX/XX/XXXX, respondents stated to XXXX XXXX that the reported alleged bankruptcy was certified as accurate and refused to remove said information. At issue in the foregoing complaint is the failure and refusal of Respondents to remove unverifiable bankruptcy from consumer credit reports. There exists no possibility or mechanism for a Consumer Reporting Agency to verify any bankruptcy filings in accordance with 15 U.S.C. 1681e ( b ). All Federal Bankruptcy Courts are restricted from public disclosure of individuals personal identifiers by Federal Court Rule 5.2 ( a ) 1-4. Therefore, not enough information is contained with a court record for a Consumer Reporting Agency to comply with the statutory requirements of the law. In XXXX, the Respondents settled a lawsuit brought by all 50 State Attorneys in a lawsuit pertaining to the use of public records from state and local courts. As part of that settlement the Respondents created the National Consumer Assistance Plan, which in relevant part established enhanced standards ( effective XX/XX/XXXX ) requiring that state and local court public records be reported with at least a minimum of personal identifying elements to include name, address, full social security number and a complete date of birth. Because no Federal agencies intervened on the behalf of consumers, the Respondents opted to disallow Federal bankruptcies in these enhanced standards and requirements. WHERFORE, plaintiff requests that the Consumer Financial Protection Bureau find Respondent ( s ) in violation of 15 U.S.C. 1681 e ( b ) and AFCRA 611 ( a ) ( 7 ) and order an immediate halt to the reporting of bankruptcy information on all related consumer credit reports. Because Respondents have been fully aware that its actions violated the rights of consumers since at least XXXX, the Plaintiffs request that the CFPB join plaintiff in federal lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
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: Old information reappears or never goes away

Complaint:
The companys involved are XXXX XXXX XXXX XXXX Experian ; I opened a credit card with XXXX XXXX XXXX in XXXX over 11 years ago which I was having financial hardships at the time I couldnt find a way to continue making payments due to legal issues I went through ; in XXXX I was sued by XXXX XXXX XXXX for non payment of the credit card account which I was struggling to pay and eventually the account was closed I was then ordered m by the courts to pay the amount owed to the credit card in a lawsuit to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX to remove the delinquent account from my credit report and I thought I would eventually move on with my life but I was wrong over a decade later this item still haunts my Experian credit report and has never reported correctly any of my payments I made to XXXX XXXX XXXXXXXX for the duration of the terms in which I paid the complete debt off and received letters assuring that this delinquent item will be removed from my credit profile which it was with 2 of the 3 credit bureaus XXXX and XXXX ; but the delinquent account with Remained on my Experian reports until this day after ; I reached out to XXXX XXXX XXXX by phone which I was met with a rude and unprofessional representative from the collection department who didnt want to help me with the issue ; I then contacted XXXX XXXXXXXX XXXX and Experian by Fax and Mail which i still have not received the help needed to remove this delinquent item thats been haunting me for more than 12 year ago when I was a young man now Im grown and been trying to apply for a mortgage to support a growing family I havent had a late payment since this issue 10 years ago my credit report and score is outstanding besides this one factor that still isnt resolved and its XXXX which means this account violates the statute of limitations for debt in NYS also there were new bills introduced by the now Governor of New York in regards to consumer debt that makes me question what Experian and XXXX XXXXXXXX XXXX is putting me through

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 2021-12-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax continues to say they do not have a credit record for myself, which is impacting my ability to lease an apartment/ buy a house, which deeply impacts my quality of life. XXXX XXXX and XXXX both have complete credit reports on me. 

XX/XX/XXXX I was informed my data was part of a data breach. I called Equifax to freeze my account. At this time XXXX at Equifax informed me my information was not within their systems and to mail a cover letter, a copy of my drivers license, a copy of my social security card, and to request my account be frozen, update the information on life, and to receive my free credit report. 

XX/XX/XXXX I mailed Equifax ( XXXX XXXX XXXX, XXXX, GA XXXX ) with the information above. 

XX/XX/XXXX Equifax mailed me back saying they could not locate a credit file for me. 

XX/XX/XXXX I went to apply for an apartment and was denied. I called Equifax to confirm if they had since located my data. They confirmed they had not, and had never received credit information about me. I called my credit card company, XXXX, who verified every XXXX of the month they provide a statement to all three credit bureaus, which included Equifax. I called Equifax back, to inform them I planned on filing with the US Government a complaint and taking the necessary legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: DISCOVER BANK
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: ALLY FINANCIAL 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: Problem with personal statement of dispute

Complaint:
My car was repossessed on XX/XX/2020 by Ally Financial. To date, I have no information as to whether my car has been sold, if there is a deficiency, or how much that deficiency may be. If it has not been sold, I do not know the location of my car, or what Ally intends to do with my car. 

Ally committed various violations of the UCC. Ally employed the services of an attorney to approach me regarding resolution. Each time I have presented an attempt at resolution, Ally has declined. 

It has now been 7 months since my car was repossessed, and I have yet to receive an itemized list of charges associated with the repossession. I do not know the location of my car, what would need to be paid in order to retrieve my car, and what their plans are for my car. If it has been sold, I have received no information regarding sale. 

I recently noted that Ally has posted additional charges reflected on XXXX XXXX. However, I have received no notices of this newly accrued debt from Ally. I tried to log into my online Ally account to download my statement, but my online account is no longer accessible. 

I have made calls to try and get more information regarding my car. Each time I call, I am transferred to an executive dept where I have left a voicemail. My calls have not been returned, and at this point, I feel as though I have no way of obtaining information I am entitled to receive, per CA State Consumer Law. 

In addition, my car may have depreciated a great deal in the seven months since my car was illegally repossessed. In addition to devaluation over time, am uncertain as to where my car has been stored. If outdoors, I am not sure what elements it may have been exposed to, and as a result, the possible wear and tear on my vehicles appearance. If it has been exposed to a harsh environment, my car would then obviously decrease in value. This, in turn, would create an unfair disparity in value. I am concerned that the overall state of my car may have lost value due to location, in addition to the seven months my car has been held by Ally Financial. This potential loss in value has been out of my control entirely, yet I am still on the hook for the entire loan, regardless of decrease in value. 

This statement only represents a portion of what has taken place, and only represents a portion of how Ally has mishandled this situation. 

I would appreciate any help or guidance with this situation, as Ally Financial has at this point disengaged from communications. 

Thanks in Advance for your help with this matter.

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