BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Thank you for sending me your internal records of the debt, however you did not VALIDATE THE DEBT. I have received a bank statement and contract with my alleged signature attached.i am not disputing or denying that this account exist, I am disputing because this account does not belong to me. The contract XXXX XXXX XXXX has sent is not my signature. I HAVE attached and PROVIDED my real signature. The signature on the contract is in scribbles with the letters C and B which is not my signature. Also on the contract is says the account was OPENED/APPROVED BY XX/XX/XXXX Please provide name of witness who who claimed i sign this document. Please provide VIDEO AND/OR AUDIO of me entering and leaving the XXXX XXXX XXXX vicinity or E-Signature stating my IP address, session, time-stamp and browser with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have attached previous complaints against this company from consumers from The XXXX XXXX XXXX. If you can not provide the requested information please delete this account immediately. i have provided my lease for address verification and my ID for Identification purposes

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 2023-01-02
Company: U.S. BANCORP
State: MO
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:
Improper use of cards funds missing from bank credit cards being closed debit cards misused XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX closed XXXX XXXX XXXX cards misused closed acct. loans secured loan with XXXX XXXX XXXX XXXX XXXX never returned from XXXX loan several disputes no help. Unknown address on credit report mortgage loan on credit report. Eviction neighbors have all personal info sheriff XXXX police would not allow to retrieve have all personal belonging. Soc security monthly checks amount incorrect XXXX never delivered doc security statements XXXX XXXX however someone used it at XXXX XXXX XXXX XXXX XXXX I started with XXXX in XXXXcombined XXXX XXXX present believe someone is pretending to be me on my job ( working as myself as a XXXX XXXXXXXX at XXXX XXXX using my credentials as a XXXX XXXX fraudently. Accessing my benefits and pay. Used medical dental XXXX w/dependent. I do not have any children. Signing in XXXX many different folks one shows zipcode XXXX unable to remove. Insurance fraud closed many insurances possible New York life ( life/annuity acct ) protective life should be Wisconsin Life life annuity ) problems with State Farm XXXX Alabama insurance acct. XXXX XXXX acct saying switched to XXXX I never approved this. XXXX retirement XXXX XXXX some showing XXXX XXXX approved this supposedly a savings acct however unable to withdraw from many more Fidelity acct. Need to speak to someone. neighbors and XXXX XXXX XXXX ( Professional Equities involvement ) Also personal info stolen from by XXXX halls ferry manor ( XXXX XXXX ) has court report ID soc sec info XXXX XXXX Also safelink affordable act phone they r using and selling my time never able to use data. I am XXXX yrs of age in 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 2023-06-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
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: Account information incorrect

Complaint:
Consumer financial service duplicated my car loan. Then noted my car loan is past due and I cant remove it this company is trying to scam me out of {$1800.00} due to late fees but I have the lien removed from my car and a confirmation of loan discharge.

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 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a collections account that appeared on my credit report in XX/XX/XXXX from a company called XXXX XXXX XXXX XXXX  in the amount of {$680.00}. On XX/XX/XXXX I sent a certified debt validation letter to the company requesting to see what proof they had that I have a contract or have actually done business with them, giving them 30 days to respond. They never responded. In the meantime, I disputed this with Transunion and to my surprise within 24hrs they deemed the debt valid which really puzzled me. If the company never sent me proof, I highly doubt Transunion has proof of this so called debt. 

On XX/XX/XXXX, I went back over my credit report and noticed they were reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$680.00}. I simply mailed Transunion a certified letter informing them of this. 
Also explaining that According to the FCRA, I have the right to an accurate credit report. Asking them to please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
Transunion mailed back a letter and my credit report stating it would not be removed from my credit. Yet, nobody has showed me valid proof of me owing this debt nor has anyone responded to my request. 
I do not owe this debt, I've never done business with the collections agency, there is no valid proof of me owing this debt and this should not be on my credit report. 
weird enough, It was placed on my report XX/XX/XXXX and according to my credit report, it's due to be removed XX/XX/XXXX. I've seen this with inquires but not actual collection accounts. Funny how this debt isn't on any of my other credit reports, hmmm ..... 
Probably because the collections company doesn't have proof!! I'm thoroughly convinced that Transunion and this XXXX XXXX XXXX XXXXXXXX has a huge scam going on. 

I believe Transunion and this collection agency are surely practicing unethical and illegal business in regards to my personal credit. 
I am asking that this be looked into on my behalf in good faith.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2020-12-15
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: Their investigation did not fix an error on your report

Complaint:
Thank you for sending me your internal records of the debt, however you did not VALIDATE THE DEBT. I have received a bank statement and contract with my alleged signature attached.i am not disputing or denying that this account exist, I am disputing because this account does not belong to me. The contract XXXX XXXX XXXX has sent is not my signature. I HAVE attached and PROVIDED my real signature. The signature on the contract is in scribbles with the letters C and B which is not my signature. Also on the contract is says the account was OPENED/APPROVED BY XX/XX/XXXX Please provide name of witness who who claimed i sign this document. Please provide VIDEO AND/OR AUDIO of me entering and leaving the XXXX XXXX XXXX vicinity or E-Signature stating my IP address, session, time-stamp and browser with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have attached previous complaints against this company from consumers from The XXXX XXXX XXXX. If you can not provide the requested information please delete this account immediately. i have provided my lease for address verification and my ID for Identification purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
BANK OF AMERICA. Recently in XX/XX/XXXX. I found thousands of dollars claimed to have been deposited in my Bank of America acct., related to a XXXX case paid by a Federal Government office. A check that was deposited in XX/XX/XXXX after opening a Savings acct. I found years of up to date of bank statements that was altered. Fees charged to my acct that I didn't even have knowledge of, transactions made to companies never heard and/or used before. I recently learned of XXXX credits cards used at a business vendor. I found reports on my Credit Report for vendors. I had no knowledge of the BOA activities. I submitted all what I recently discovered to The U.S. District Court of Maryland. 
Also submitted was a singed letter from former XXXX XXXX XXXX of {$1400.00} from Covid Relief when I only received {$600.00}. There was no reflection of that deposit. 
I also recently made a withdrawal from one of BOA ATM machines, by taking too much money. I tried to redeposit the money and the ATM rejected the same money given to me. I believe BOA is depositing Fake money into its ATM 's.

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 2023-01-02
Company: EQUIFAX, INC.
State: MS
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:
Under 15 US Code 1681a ( 3 ) this medical collection is in violation and can't be on my credit report.

Under 15 U.S.C 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-01-02
Company: Experian Information Solutions Inc.
State: MS
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:
Under 15 US Code 1681a ( 3 ) this medical collection is in violation and can't be on my credit report.

Under 15 U.S.C 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can validate this debt. I do not validate this debt.

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 2020-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have been disputing this account since XXXX of XXXX and the account has been verified by XXXX  and XXXX  multiple times, yet each time they have verified it, they have also altered information, amounts and dates, making the account appear as newer than it truly is. 

I have requested information from XXXX, XXXX  and Capital One Auto, requesting they provide the information they are using to verify the account and they have ignored my request every single time. XXXX  and XXXX   just keep altering the information on the report even though the information was verified as accurate in the previous dispute. With each update, they have caused my credit scores to drop significantly because of the inaccurate information they have been reporting. 

I just recently learned of the CFPB being available to report XXXX  and XXXX  to, I wish I had known sooner. I was under the impression they were consumer protectors as well. I have not been able to be approved for student loans while I was going to school and have missed two semesters since. It seems absurd they could have access to your credit and cause such damage that literally impacts you and your childrens lives so negatively. 

I have kept records throughout the process, copies of certified letters, receipt of those letters and responses in the updating that was done. The most recent response was altered again and is still reporting inaccuracies and violations. 
No Credit Limits reported Inaccurate High Credit Limits No Closed Dates Closed Dates were actually removed Date of Last Activity has been updated to appear newer Date of Last Payment has been updated to appear as newer It was not a paid collection Date of First Delinquency has been altered The Date of First Major Delinquency was updated to XX/XX/XXXX The Date of First Major Delinquency was JUST changed to XX/XX/XXXX XXXX   and XXXX have ignored my requests to provide the verification information available Capital One Auto has ignored my requests for information on this account None of the reporting agencies have provided any information on this account, yet they keep changing it after they reported each previous time the account was verified. XXXX removed the account from my report due to the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Payment was Sent on XX/XX/XXXX around XXXX XXXX. The merchandise agreed upon by both parties was not shipped. The seller relisted the item for sale on XXXX XXXX XXXX XXXX  The seller insists they have shipped the merchandise but refuses to provide a tracking number. Contact with the seller remained until XX/XX/XXXX when the seller blocked the buyer from further contact. A refund was requested from merchant address " XXXXXXXX XXXX XXXX  on XX/XX/XXXX. Buyer has received no response from the merchant as of XX/XX/XXXX. Started dispute with Wells Fargo on XX/XX/XXXX for {$400.00} with the reason of goods/services not received. Wells Fargo requested no further information or supporting documentation from the claim filer. 
As of XX/XX/XXXX the dispute was updated and officially denied. 
On XX/XX/XXXX the dispute filer called the Wells Fargo support line and inquired about appealing the ruling of said claim. Support said all rulings were final and the buyer would have to contact the merchant directly. A refund from the merchant address " XXXXXXXX XXXX XXXX was already requested on XX/XX/XXXX. No further communication has been received from the merchant. CFPB complaint filed on 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 2020-03-06
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Applied for a credit card with discover. Was asked to send a copy of bank statement and copy of social security. I complied and sent them a copy. I call back and was told I was approved for a XXXX line of credit. I was told the card will be in the mail 7 to 10 days. I recieved a call prior to getting the physical card in the mail. The woman stated my card has a hold in it. I need to check my email and sign a form sent to me by doc you sign. Once signed the hold will be lifted. When I read the document it was an irs form checking my tax returns for XX/XX/XXXX and XX/XX/XXXX. I called discover card back I advised them i have not filed taxes i marked on my application retired and i marked other for income. I was told i must sign and return the form and it's ok it i haven't filed taxes it's just for identity purposes. I signed the doc you sign form online and waited. Today me and my granddaughter called Discover card and was told my account has been closed. When asked why they refuse to state. I feel discriminated against based on my age. My credit score is very high my income is high and there is no such reason to now deny me its because I'm XXXX years old and this is the real reason they closed my account. I never even activated the card they blocked me for no legal reason I'm so upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Experian Information Solutions Inc.
State: LA
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 following accounts should not be on my credit report. They do not belong to me and/or are inaccurate and incomplete XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX I request that you delete the above-listed tradelines and provide me an updated copy of a consumer report prepared by you that you maintain and publish concerning me to third parties. Inform any and all persons that you published the disputed information to that it has been deleted. If you conclude that the tradeline item is verified, I request details of your method of verification. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published concerning me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Accordingly, I may be contacted at my address.

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