BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: NC
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 XXXXXXXX XXXX XXXX Account # XXXX, Account # XXXXXXXX XXXX # XXXX and XXXX XXXX have 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 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 2018-10-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Following the Equifax data breach reported XXXX XX/XX/XXXX I froze my Equifax credit report. Recently I tried to unfreeze my credit report. Eventually after multiple attempts Equifax sent me a letter dated XXXX XX/XX/XXXX stating that the freeze was lifted permanently. XX/XX/XXXX I applied for a credit card and was told that my Equifax credit report was frozen. After multiple phone calls to Equifax XXXX XXXX, including Equifax cutting off the call once, I asked to escalate to a supervisor who asked all the same questions I had just answered 3 times already. I want to report Equifax for obstructing personal financial transactions, incompetence, and complete absence of customer service. Why is any business using Equifax for credit checking when their incompetence is legendary, as evidenced by the massive data breach they did not even discover for months? If possible I will avoid dealing with any business who uses Equifax for crediting reporting instead of one of the competent alternatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: FL
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 wi the fair credit reporting act, XXXX I account number 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 an account without my written instructions

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 2020-06-15
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XXXX XXXX refunded XXXX on my Pay Pal account. Pay Pal refuses to refund the money to my account - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: AZ
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 requested a validation of debt from XXXX XXXX  and the failed to comply with my request. 
Experian failed to verified the debt in a timely manner, they did not furnished me with the process on how they investigated, the name of the person that verify the debt. The collection agency also failed to provide that they own the account any contracts or receipts with my signature

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 2023-09-21
Company: Experian Information Solutions Inc.
State: NC
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:
The credit card account with XXXX XXXX XXXX was opened fraudulently and doesnt belong to me personally. Why is this negative information being reported on my Experian credit report. Ive expressed my concern about this issue with Experian and nothing has changed after I disputed this information several times.

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 2023-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I've had several fraudulent transactions on previous account ending in XXXX. As a result, this particular account was closed in XXXX of 2023. I've worked with several merchants for reimbursement and reversals during the time of my account closure! I've also contacted my financial institution, ( BOA ) to assist. For several months, I was informed to work directly with the merchants. I eventually submitted the claim to the bank because nothing was being resolved. Not long after I submitted my claims, I received documents for each claim stating that My claim can not be approved because they fell outside of the dispute time frames that the bank follows. However, I was only doing what I was instructed to do which was work with the merchants directly. Also, as I was calling the bank back and forth, it would have been feasible if a representative ( s ) would have told me that I am reaching my deadline. I tried everything in my power to get this done without involving the bank on their behalf. 

Below are the dates that I received the correspondences for my unapproved claims, ranging from the timeframe dispute, along with other unapproved claims and expectations for those. I've also attached statements that I faxed to Bank of America 's claims resolution department. 

XX/XX/2023 for XXXX XXXX XXXX 's for the amount of {$1500.00}. I was double charged one lump sum, and then several small transactions ( dispute timeframe ). 

XX/XX/2023 for the XXXX store in the amount of {$1300.00}. This particular claim was declined due to the charge " being authorized by me or someone who has permission to use the card or account '', per my correspondence. 

XX/XX/2023 for XXXX and the amount of {$230.00}. This merchandise was never received and some of it was damaged. ( dispute timeframe ). 

XX/XX/2023 for XXXX XXXX in the amount of {$5100.00}. The initial total for this valid transaction was {$11.00}, XXXX. The {$5100.00} is from return merchandise that was unable to be processed on a closed account. ( Dispute timeframe ). 

XX/XX/2023 for XXXX in the amount of {$410.00}. This was a valid transaction, however someone picked up my merchandise and the ID wasn't checked. I never received my items. 

XX/XX/2023 for XXXX  in the amount of XXXX. I was double charged for this transaction. I paid the XXXX XXXX directly, however this also falls out of the ( dispute timeframe ).

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 2022-03-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I received an alert from XXXX XXXX on XX/XX/22 about two inquiries. One was from XXXX XXXX and one was from XXXX XXXX. I contacted XXXX XXXX at XXXX XXXX and he said someone had submitted an application for auto financing online. The dealership is in IL and I am in TX, I did not apply for financing with them. He said he ran the application through XXXX XXXX as well. He canceled the application and advised me to dispute the inquiries. I disputed them and in less than 24 hours, I got a response from Equifax indicating the inquiries would be on my credit report for the next two years. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I was sent a foreclosure noticed by Wells Fargo. When I called and asked remodify my home mortgage Wells Fargo stated I would need to make a lump sum payment of around $ XXXX dollars to get me back to my original note of $ XXXX dollars. They stated I had an outstanding balance of $ XXXX dollars. I then notified a sales agent to sell my home in the event of clearing the balance. I went into negations on XX/XX/XXXX with an offer of $ XXXX dollars with {$500.00} dollar binding and $ XXXX dollar Purchase and Sales Agreement. This brought the total sale of my home to $ XXXX dollars. Wells Fargo rejected my sale and stated I couldn't short sale the home to cover debt. They carried forward with a foreclosure on XX/XX/XXXX and sold my home for $ XXXX dollars. This did not allow me to cover my losses and instead forced me to file bankruptcy. I later saw the home resell twice once on XX/XX/XXXX the Home sold for another $ XXXX dollars and then again on XX/XX/XXXX for $ XXXX dollars. Wells Fargo failed me as customer for not allowing me to cover my losses and prevent a hardship on me far worst than anything. This has caused a significant hit on my credit report and has disqualified me from any near future purchases of a home.

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 2023-07-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In the month of XXXX I sent a letter to XXXX XXXX Bank, where the error that was provided in my credit report was expressed, affecting me negatively. 

They contacted me letting me know that that report would be deleted from my account in the next 30 days. 

Reviewing my credit report, the other agencies that reported this account deleted it from my history, satisfactorily, but with this agency I have not yet had any kind of response, it is for this reason that I am contacting you to let you know that please I need this negative information to be deleted from my report as soon as possible. 

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 2021-08-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report, Its been far over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  XXXX  ACCOUNT WAS OPENED DUE TO FRAUD AND SHALL DELETE FROM MY CREDIT REPORT. 
ACCOUNT BALANCE OF {$2600.00} IN INACCURATE AND I REQUEST THE WET SIGNATURE TO SEE HOW THIS FRAUD ACCOUNT WAS ABLE TO OPEN WITHOUT MY KNOWLEDGE. 
DELETE THIS FRAUDACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
For at least 2 years now, I have been unable to obtain my Credit Reports online. Each time I try, I get an error message saying : " Unable to Complete Your Request Online Unfortunately, your request can not be fulfilled online at this time. 
Please request your report using one of the other options below. '' In some cases I can reach the 5 questions about my credit history to verify my identity, but even though I know I answered the questions correctly, I still get an error message similiar to the one above. 

This is unacceptable as it forces me to waste my time applying for my reports either via phone or via XXXX, while I should be able to have the convienance of using the wesite like every other consumer does. 

Please contact the relevant agencys so that I may correct this issue promptly. 

Thank you for your time and have a Happy Holiday Season!

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 2020-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX - Fail to Respond letter XXXX XXXX 2020 XXXX XXXX XXXX XXXX XXXX XXXX, HE XXXX RE : Account of XXXX XXXX Collection amount claimed I owe {$1700.00} Account number XXXX Dear XXXX, This letter is to inform you that the debt collector, Portfolio Recovery Associates has failed to respond in the 30 day timeframe to my Validation letter. The company legally must now cease ALL collection efforts, and remove the negative items placed on my credit report. It's a violation of the collection practices act for a debt collector to fail to respond to my verification letter. 
Under the Fair Debt Collection Practices Act, Portfolio Recovery Associates, is required to respond to my request for validation within 30 days of receipt of my communication. It has been more than 30 days, and I have yet to receive a response.

Under both State and Federal consumer law, I have the right to have my debt validated, and Portfolio Recovery Associates is obligated to respond within the statutory time limit. 

Failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act. I have included with this letter, a copy of the certified mailed receipt proving that Portfolio Recovery Associates received my Validation letter.

This letter is to also inform you that the Texas Statute of Limitations ( 4 years ) on this debt has expired. This letter is my legal right of assertion that the debt is no longer a collectable debt. You must hereby cease and desist all collection actions and activities on this account against me, immediately. 

Please be aware, Failure to abide by the FDCPA could result in legal action against you and fines assessed by the U.S. Federal Trade Commission. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
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:
I am writing to formally express my extreme frustration and disappointment with the consistently inaccurate information being reported on my credit profile by [ Experian/XXXX XXXX for the past year. Despite my persistent efforts to rectify these errors in accordance with my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C 1681 ), it is disheartening to note that these issues remain unresolved.

Over the course of the past several months, I have repeatedly exercised my right to dispute the inaccuracies on my credit report, citing the provisions of 15 U.S.C 1681 as a reminder of your legal obligation to ensure the fairness of the information you disseminate. My disputes on all 5 accounts listed below ( In Addition to, an address I have no knowledge of nor have I lived at the address ), each backed by solid evidence of inaccuracies, have been submitted through certified mail and meticulously documented to ensure a clear and traceable record of communication.

Despite my adherence to the prescribed dispute process and the gravity of the matter, I have yet to witness any meaningful action taken by the companies listed to rectify these erroneous entries. It is disconcerting to realize that my diligent efforts to correct these inaccuracies, backed by the law, have been met with indifference.

Furthermore, I have discovered that my personal information has been shared without my consent to various third-party entities for financial benefit, a practice that appears to contradict both the principles of privacy and the standards set forth by the Fair Credit Reporting Act. The unauthorized sharing of my sensitive financial data raises serious concerns about my privacy and security, and it is essential that this practice is immediately ceased.

I want to emphasize that my intent is not to engage in a confrontational exchange but rather to assert my rights and seek a resolution that upholds the principles of fairness, transparency, and accuracy that the credit reporting system is built upon.

In light of the continued inaction and indifference to my plight, I am left with no choice but to escalate this matter. I expect an urgent and comprehensive response to this complaint, to rectify the inaccuracies on my credit report and ensure that my personal information is no longer shared without my explicit consent. Failure to address these concerns adequately will leave me with no alternative but to pursue legal avenues to protect my rights and seek appropriate compensation for the damages caused by these inaccuracies.

Thank you for your immediate attention to this matter. 

Sincerely, 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 2023-07-09
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2022-12-22
Company: Experian Information Solutions Inc.
State: MD
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 Report Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 USC 1681 s-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 this information is inaccurate.

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 2019-08-07
Company: EQUIFAX, 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 went to my bank to get a loan so I can help my mom get a new car and I was denied. I have been with my bank for a very long time and have other accounts with them. My banker gave me a copy of my credit and there are things on my credit that are not mine. I have reached out to the FTC and to my local department. Please move them from my credit. XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  AND XXXX. There were also some inquiries that are not mine as well, 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 I am doing this on my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: Experian Information Solutions 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:
This account was issued a letter to the bank in charge to please remove this information from my report since it shares inaccurate data in all credit agencies, among other series of errors. 

Some credit agencies have already deleted the information but there are others that have not yet deleted it and it continues to negatively affect 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