BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: FL
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 sent a letter on XX/XX/XXXX requesting to the Credit Reporting Agencies to remove the Accounts and Inquiries that are UNKNOWN to me. I previously reviewed a copy of my credit report and was shocked to find that there were several accounts and information that I did not open and have no knowledge of. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : Medical ( Original Creditor : ) XXXX Balance : {$39.00} Medical ( Original Creditor : ) XXXX Balance : {$23.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section XXXX, I request that the Credit Bureaus remove the disputed items off of my Credit File as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions Inc.
State: NY
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 called in to dispute items on my credit report and for over a year now the dispute portal hasn't been available or working for consumers to dispute items they will not mail out dispute forms talked to an representative to apply the dispute for me but my credit file has no credit report number therefore there telling me they can not retrieve my information this is unacceptable.

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 2023-01-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried multiple times to dispute this inaccurate and incomplete information with all three credit bureaus. They have all fail to comply with FCRA Section 609 ( a ) ( 1 ) ( A ) verify, through physical verification the original signed consumer contract. I have requested proof of this alleged account numerous times. I have NEVER been supplied with it, because no such account exist. Failing to show proof per the FCRA the item must be removed from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: JPMORGAN CHASE & CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had an auto lease through Chase Auto from XX/XX/XXXX through XX/XX/XXXX. Since the lease concluded, I have received countless bills and settled account statements from them, with little to no explanation for the charges. 

Most significantly, in late XXXX, after countless rounds of Chase Auto explaining the debt and sending me evidence of personal property tax payments that were the source of the remaining amount, I paid and received notice that my account was settled. Since then, Chase Auto sent me a check for several hundreds of dollars with a letter indicating that they had reviewed my account and identified an error, but with no explanation of the error or what it was. 

On XX/XX/XXXX, I received a new letter from Chase after hearing nothing for months, this time requesting payment on the lease for a balance due of {$600.00}. The letter has no explanation for the amount. When called by a Chase representative on or around the XXXX for the same request, I explained and they acknowledged that there was an error. Nevertheless, when I called Chase in response to this letter, they refuse to explain the debt, provide accounting for it, or acknowledge that the account is settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my consumer report and noticed that I had one ( XXXX ) late payment on a closed account that I was never late. Consumer agencies have assumed a vital role and have a responsibility to reoport consumer information to the best of thier ability with maximun accuracy. I have never been late on any payments for this account : XXXX XXXX Bank # XXXX. Please invesigate as I have a letter from the creditor as proof that this account was never late. I am formally requesting proof of statements showing a payment was late. If this can not be provided I demand that the late payment be correctly updated to on-time as it should be as I was never late. 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 2023-08-01
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: Account status incorrect

Complaint:
I am writing to dispute and request a correction to the data on my account with XXXX, account number XXXX. It has come to my attention that there are inaccuracies in the reported information related to late or past due charges on my account. 

I want to emphasize that my account has always been in good standing, and I have diligently made all my payments on time. Despite my consistent efforts to ensure timely payments, it appears that the data being reported does not accurately reflect the positive payment history associated with my 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 2020-08-02
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: Information belongs to someone else

Complaint:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
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  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX,. XXXX, XXXX,. XXXX,. XXXX, XXXX, XXXX  XXXX XXXX, XXXX   XXXX XXXXXXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2023-10-17
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 want to inform the 3 Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXXXXXX 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 2023-09-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I attempted to send a request for to XXXX XXXX XXXX on XXXX XXXX 2023 via certified mail to the address listed on my credit report ( XXXX XXXX XXXX XXXX, Ga XXXX ). The letter was returned as undeliverable. According to the FCRA i have the right to an accurate credit report. Since the address is not listed correct i demand any account associated with XXXX collection agency be instantly removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XXXX  is showing that I'm more than 30 days late on my XXXX and XX/XX/2022 payments. This is showing up on my credit report. It has caused my credit score to spiral as a result. Because of this my other credit cards have reduced my available credit by thousands. This is keeping me from purchasing a reliable vehicle. I have bank statements showing that I made payments on time in both XXXX and XXXX of XXXX. I have filed multiple disputes with all 3 credit agencies and XXXX XXXX XXXX  still refuses to correct this error on my credit report. I've tried speaking to them in person as well and just get the runaround. I need this fixed ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is 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 reportsno consent is fraud. Please delete the accounts below : 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 2020-03-13
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX did not cancel my card when I had fraudulent charges and then reported my missed payment to credit bureaus and destroyed my credit score.

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 2021-08-16
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The 3 Credit Bureaus are reporting inaccurate information on CCB/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX  I told Wells Fargo that I would be traveling and they froze my account multiple times while I tried to make a purchase.they froze it once in XXXX  for trying to get a hotel room and another time in XXXX  for the same thing.they also froze my account when I tried to make a purchase in XXXX XXXX would also charge be extremely large overdraft fee when I didn't have enough if my account XXXX as it being different amounts everytime.they froze my account alot of other times but those XXXX are the ones I can remember.i had to close my account out because they didn't treat me fairly if you need information you can get it from wells fargo.you have my permission to access that.

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 2023-01-19
Company: Credit Karma, LLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
deciding to close my Credit Karma account do to misleading approval guarantees in which derailed my credit building efforts with XXXX non- approvals and XXXX hard inquiries, while being alured to apply with excellent approval odds XXXX offers claimed 99 % approval and the other was 98 %. all three were denied for the same reason. a public record or judgement. trusting Credit Karma ( CK ) and knowing they were also aware of such reason for rejection. I put my faith in they knew more then i did about credit approvals. my score dropped over XXXX points I lost my ability to purchase a car, a house or most importantly need health care. all before inflation begun. I had to switch cell phone company including my phone number when i go to close my account at CK I stuck unable to do so as the sent verification code to old phone number and in the help section on how to change phone numbers there is no reference to confirming change of phone numbers you must have both phone lines active and available. Who dose this CK pay to phone bill. now only way to move forward i have to send them a picture of my Dl or ID. how unsecure is that for me i didn't have to show ID to open account I didn't have to show ID on any action ever taken with them and i sure the heck didn't have to go through such degrading steps to change my number at my other XXXX account i have. yes XXXX very angry with Credit Karmas customer service tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: SELECT PORTFOLIO SERVICING, 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: Account information incorrect

Complaint:
XX/XX/2019 a mortgage payment was made to XXXX XXXX. The payment was deducted from my checking account balance and was forwarded by XXXX XXXX XXXX XXXX electronically to XXXX XXXX. 
Select Portfolio Servicing, Inc. ( aka SPS ) took over the servicing of my mortgage + escrow accounts on XX/XX/2019. 
SPS continued up to the time in XXXX when I re-financed my mortgage with XXXX XXXX aka XXXX XXXX. 
The Payoff Statement reported by SPS includes the " missing '' payment from XXXX, late fees and Interest that includes interest owed on the XXXX " missing '' payment from XXXX to the closing of my account with SPS in XXXX. 
Calls to the Ombudsman Dept of SPS reported to me that my supplied bank statements from XXXX thru SPS takeover in XXXX were in their data base. The computer database at SPS verifies that the XXXX payment is there, it was not late and late fees and interest due should not have been charged by SPS. 
SPS will not research the incorrect information, and will not contact me either by phone, or by mail that the " repair '' that I have requested since their takeover in XXXX has been completed, and that XXXX XXXX has received a new closing statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Experian Information Solutions Inc.
State: OH
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:
Experian has denied my request to investigate and remove the fraudulent inquires on my credit report.The continue to play games as if Its not me making a complaint when I have attached my documets multiple times and called and mailed them multiple times. this will be my final before I seek damages for blatant disregard for fraudlent items on my credit report I will seek damages under 605b 611 607

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed my account when I had funds in the account. They still charged and added overdraft fees

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 2023-09-20
Company: Experian Information Solutions Inc.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Names XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian 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. These inaccuracies are preventing me from buying a new car for my work. I am not able to get a new home for my family. I can not get business credit to grow my business so I can provide for my family.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Wells Fargo reposed my vehicle back in XXXX time frame for what was extra fees added to my payment without my knowledge. I made payments every month biweekly by automatic withdrawals. I never received a letter or anything expressing that my payment was increased from the original loan amount. When I called to see what was going on they explained that I owed so much money within 48hrs or I would not be able to get the truck back. I was able the secure a loan with a local bank for the full payoff and when we called WellsFargo they instructed me and the bank we had to provide the pay off check by XXXX XXXX because a wire transfer was not adequate. They then said that by the time they received the check it would be past the 48hr time line so I would lose the truck regardless. So now I am checking to see if I would qualify for the pay out that was reached in the most recent lawsuit. 

Thanks

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 2023-04-25
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 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 accounts ( A ). It is not permitted to report these accounts 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. 
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

Company response to consumer: Closed with explanation