BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: SC
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 a accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX bank XXXX XXXX Department of education XXXX XXXX XXXX XXXX XXXX # XXXX Us department of Ed/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 non-monetary relief
Consumer complaint received 2018-05-09
Company: EQUIFAX, INC.
State: NC
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 is reporting an inaccurate collection on my credit report, I've disputed this account & they will not provide me with any updated information. I called the collection company on XX/XX/XXXX & requested that they provide me with any type of proof being a signed contract with my signature state that I've done business with them & that I owe them money, they refused to comply & told me that they provided XXXX with the " proof '' & to contact XXXX. I called XXXX on XX/XX/XXXX & spoke with a gentleman named XXXX XXXX & he placed the blame back on the collection agency. I don't even think that this collection agency is licensed to collect " debts '' in North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX reported a late payment to my credit which I never paid late, requesting that it be deleted from my credit report XXXX XXXX XXXX LATE PAYMENT Credit usage 3 % Balance {$150.00} Balance updated XX/XX/2023 Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: NV
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 XX/XX/XXXX I filed an identity theft report due to the violation of laws of 15USC 1681b, 16USC1681q, and 18USC 1028A. Please remove this public record from my consumer reports immediately. 

Consumer Reporting Agency : Experian Record type : XXXX XXXX XXXX XXXXXXXX Date filed : XX/XX/XXXX Date resolved : XX/XX/XXXX Responsibility : Individual Reference number : XXXX Consumer Reporting Agency : XXXX Case number : XXXX Bankruptcy disposition : XXXX XXXX Date filed : XX/XX/XXXX Date reported : XX/XX/XXXX Consumer Reporting Agency : XXXX Record XXXX : XXXX XXXX XXXX XXXX  Number : XXXX Type XXXX XXXX XXXX XXXX XXXXXXXX Date Filed : XX/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 explanation
Consumer complaint received 2022-10-05
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 information incorrect

Complaint:
I submitted the following dispute letter outlining the blatant errors on my report. The bureau failed to investigate the error and instead returned a response that the item was " updated ''. They have also ignored my requests for proof of the investigation. By law credit information must be 100 % accurate or it must be removed. Disputes are also legally required to be properly investigated. This bureau has been using evasive tactics to violate the FCRA. 

Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 
These credit accounts are reporting completely inaccurate information. The last payment date wrong. XXXX is reporting the last payment date as XX/XX/2021, but XXXX is reporting the last payment date as XX/XX/2021. This is an obvious discrepancy. Both payment dates are wrong as I have not authorized any payments from my bank to this company and all attempts were blocked by my bank. Both of these dates are inaccurate and are not consistent with what is being reported. 

The account is listed as : XXXX XXXX I also noticed another account that is reporting inaccurate payment history. The following account : XXXX XXXX XXXX XXXX  Is reporting on XXXX that there is 0 late payments and on XXXX it is reporting that there is one 30 day late, one 60 day late and three 30 day late payments. This is also a clear reporting error that is inconsistent and incorrect I am requesting that these items be removed. By Law, any erroneous or inaccurate information must be removed from the consumers credit report. 

Enclosed is documentation supporting my request : I have attached photos of the incorrect dates and payment history on the accounts The Accounts in question are listed as ; XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate this matter and delete the disputed items I have attached proof of the discrepancies as well.

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 2020-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
checked my credit profile and these erroneous accounts were listed. 

Capital one XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-25
Company: DriveTime
State: CT
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:
unlawfully add inquiry to my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: SC
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 a accordance with the fair credit reporting act XXXX  account XXXX XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX  XXXX XXXX Department of education # XXXX XXXX XXXX XXXX  # XXXX Us department of Ed/XXXXl # XXXX XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Resurgent Capital Services ( XXXX XXXX ) placed a collection account on my credit report in the amount of {$700.00} in XX/XX/XXXX. On XX/XX/XXXX I sent XXXX XXXX aka Resurgent Capital Services a Debt Validation letter under Texas Finance Code 392 requesting they validate the debt. XXXX XXXX aka Resurgent received the letter on XX/XX/XXXX and sent me a letter on XX/XX/XXXX stating they have " initiated a review of the inquiry they recently received ''. As of today XX/XX/XXXX I have not received any further correspondence from XXXX aka Resurgent validating the debt in question. In the letter I sent on XX/XX/XXXX I requested Validation under Texas Finance Code and requested that if they could not validate that they were to delete the trade line from all 3 credit bureaus which they have failed to do at this time. Under TFC 392 they have 30 days to validate and if they can't they must delete the trade line from all credit reporting agencies. 

They also treated my letter as a dispute under the FCRA and marked my credit report 's as " disputed by consumer '' which I clearly was not disputing under the FCRA but requesting validation under the Texas Finance Code. This is a blatant misuse of the dispute process under the FCRA and could cause issues for future consumers that request validation under TFC. Dispute comments can derail mortgage applications and cause credit denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
A female who refused to give me her name but claimed to work for Wells Fargo Bank Fraud Department called me out of the blue & asked me to " verify myself '' ( give her some SENSITIVE personal information on the phone ). After I explained that SHE NEEDED TO VERIFY HERSELF FIRST ( I asked her to send me a SECURE EMAIL so I would know she really was with Wells Fargo Fraud Dept & include her name and call back info ) THEN I would be  happy to answer her questions. SHE DID NOT object to that at all she just said ok and hung up ... so then when I went to LOG INTO MY ACCOUNT to READ My secure emails their computer would NOT allow me to log in it said " online access is unavailable ... call bankers 24x7 '' so I called a banker and spent an HOUR on hold speaking to a Banker and a SPERVISOR both who said the account was LOCKED and they could NOT UNLOCK IT ... only the fraud dept can do that. So then I tried replying to an UNSECURE email I had got from wells fargo but I got a return message that they would NOT EVEN READ that since it was not secure ... I should LOG IN FIRST then send them a SECURE EMAIL ( since I was LOCKED OUT NOW I could NOT DO THAT ), so I tried calling the number in my caller id which the lady called from and asked for a supervisor there ( said his name was XXXX ) ... and after i explained all this to him HE REFUSED to send me a SECURE EMAIL like I said to start with ( to VERIFY HIMSELF - as I explained any SCAM OPERATOR could have got me LOCKED OUT simply by logging into my account multiple times then demanding I give them my sensitive info to open back up ... so HE STILL NEEDED TO VERIFY HIMSELF as a bonafide Wells Fargo employee ) so in the end he said go to a bank & verify myself to get the account un-suspended. I demanded that he send me a letter, so we'll see. The worst problem is they NOT ONLY SUSPENDED me online access to my account but they ALSO SUSPENDED use of my debit card and CHANGED MY PERSONAL PREFERANCES from ONLINE Stmts to PAPER STATEMENTS ( this means Wells Fargo will CHARGE ME MORE/Higher account fees ) so if this was NOT a hacker/scammer to start with it sounds like a SCAM by WELLS FARGO to make UNAUTHORIZED changes to customer accounts & charge them MORE FEES. They MUST BE REQUIRED TO VERIFY themselves FIRST before DEMANDING Sensitive information from customer, blocking access to their accounts, blocking access to CASH, and making unauthorized changes that generate MORE FEES for their banks ... ALL by the way when there is BEEN NO FRAUDULENT ACTIVITY on the account ( I just logged in a few days ago and I saw NOTHING looked wrong at that time ) ...

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 2019-02-06
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My husband and I have been Citibank customers for over 40 years. Over the years he has had a checking account where I have been a signer. About 5 years ago we completed paperwork ( which I do not have ) to turn this into a joint account. I have always had banking access to this account on and off line. 
My husband died on XX/XX/2018. I am his estate executor.I went to the bank branch on XXXX XXXX XXXX in XXXX with his death certificate to straighten out the account and report his death in XX/XX/XXXX. 
The bank stated that ( " according to their computer '' records ) not only did I not have any authority but I was not noted as a signer. I asked for the account paperwork and this was was something they could not/would not entertain. 
Unknown to me, the account then was closed down so that I no longer had access. 
All my financial statements, bill payment information and check copies and year end summaries for 2018 and prior were inaccessible. In other words my entire financial life was " erased '' could not be used. 
For estate settlement purposes, taxes and general record keeping this is an untenable position and creates a significant hardship in recreating valuable information. 

I contacted Citi 's phone customer service at least 6 times between XX/XX/XXXX and this writing requesting bank statements, bill payment information ( both payees, and histories which they said they could migrate to my account-this didn't happen ). I did get emailed bank statements for 2018. That is not enough. They said they could not restore access and have failed to provide me with the needed info. This practice is highly detrimental, and clearly the information imputed into the computer about this account is inaccurate. 
I would like to regain full access to this account so I can handle my financial life and husbands death. A closed account that is inaccessible like this is unexcusable in this type of situation. 
thank you

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 2022-07-26
Company: EQUIFAX, INC.
State: SC
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions 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 found accounts in my credit report that I didn't originate or applied for, these accounts are fraudulent and need to be removed from my credit report immediately.

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 2020-08-03
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made a purchase of 4 cans of XXXX spray through XXXX. It directed me to a website. After my purchase I received the information from Paypal that I had paid {$20.00}. The transaction ID XXXX ... Purchase date XX/XX/2020 Payment to : XXXX Invoice ID : XXXX Merchant Transaction ID : XXXX Item XXXX XXXX   XXXX XXXX XXXX XXXX XXXX ID number : XXXX Says this transaction will appear on my statement as PAYPAL XXXX XXXX Now the phone number they supplied is disconnected. Email : XXXX Phone Number:XXXX Paypal allows scam artist all the time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
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: Their investigation did not fix an error on your report

Complaint:
XXXX Credit Card incorrectly put a 30 day late payment on my credit report. After discussing this with that creditor, they agreed to fix it. They told me they put in an update to all credit bureaus. Both XXXX and XXXX has already fixed it.

However, Experian came back and said it was verified. So, I had the creditor mail me a letter for physical reference. I submitted this 3 times to Experian and they refuse to correct my report. They come back as " verified '' even though it's not.

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 2020-06-16
Company: LEXISNEXIS
State: VA
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:
On XX/XX/2020 I disputed with a third party Lexis Nexis on a Bankruptcy that they claim was verified through their office. I sent them a letter asking to have the bankruptcy information verified. I received a letter from Lexis Nexis stating that Bankruptcy record # XXXX was verified through another third party name XXXX. 

I have a letter from the Eastern District Court Clerks office that they " the court '' does not report, validate or confirm bankruptcy case filings to credit bureaus. But yet Lexis Nexis states that they were able to validate with XXXX another third party and not the actual court who would be the original creditor. Furthermore you have failed to provide the method of verification as requires under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " Promptly DELETE all information which can not be verified. '' I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

As a large company Lexis Nexis has been allowed to bully the consumer with falsely selling information to companies like XXXX and XXXX   and they have partnered up with XXXX. Consumers rely on credit to purchase homes and to obtain anything that they may need for daily living and companies rip consumers apart with their lies. 


Your attention to this matter is greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
PLEASE HELP! I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 62 days and I have not received a response. I did some research on the internet and and i read that the credit bureaus have 30 days to reply back and they have not. From what I read these accounts must be removed. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
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:
in accordance 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 furnish a account without my written instructions XXXX XXXX XXXX XXXX  I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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