BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a dispute with all 3 credit bureaus regarding a few accounts reporting on my credit file.

I dont recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments.

Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Original creditoXXXX XXXX XXXX XXXX  Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX XXXX XXXX XXXX  Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXXXXXX XXXX XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

Each time I call or submit a dispute regarding these items on my credit file the bureaus don't investigate anything within 2 days they somehow keep validating these accounts.

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 2023-12-03
Company: Experian Information Solutions Inc.
State: NJ
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 have dispute fraudulent information through Experian, XXXX and XXXX for fraud inquiries, accounts and addresses. I requested that all info be verified in writing at this moment I have not received any dispute results. I asked that all accounts be verified with my signature, if this can not be given, all account must be deleted.

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 2021-06-02
Company: EQUIFAX, INC.
State: AL
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:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX -- .Account number XXXX of {$4100.00}. In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX : Received text message from Chase inquiring if I authorized a charge of XXXX. I immediately replied " No ''. Received immediate reply from Chase stating that I had already replied, which I had not. I then phoned Customer Service ( XXXX XXXX  PST ) and reported that 4 fraudulent withdrawals and 1 fraudulent deposit were made to my account. Was told to file a claim directly with the Claim Department but they were already closed. 

XXXX : Contacted Chase Claim Department to file a claim. Provided all information on fraudulent transactions, including that they were originated in another state. Provisional credit issued. 

XXXX : Called Claim Department to check status of claim. Was told claim was denied due to impossibility of duplicating PIN number at chip-enabled terminal. XXXX credit rescinded. 

XXXX : Went to local Chase branch for assistance. Banker called Claim Department, who advised me to fax over supporting documents. 

XXXX : Faxed supporting documents to Claim Department. 

XXXX : Called Claim Department. Spoke to supervisor who said " fraud could not be proven ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-12
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: Investigation took more than 30 days

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like XXXX being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
After having to deal with endless hours battling transunion for them to remove an unauthorized fraud alert / credit freeze I run into another issue with them. 

I recently opened a new credit card account which raised my XXXXx and XXXX credit scores roughly XXXX points to about XXXX. My transunion score went down a huge XXXX points from XXXX to XXXX when it was supposed to raise that score. 

I call transunion and they will barely comment on it. I think something is fishy. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2019-08-23
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 fraud alerts or security freezes

Complaint:
RE : Experian I had placed a credit freeze on my account. I need to lift it to apply for a loan and a credit card. I was unable to do so through their web portal. It said that I needed to send them copies of driver 's license, social security card and other ID via mail to get the freeze temporarily lifted, which I did. I did not hear from them but on the portal it showed the freeze lifted. However, the banks I applied to said the freeze is still there. I call at least 8 different numbers for the company and all of them roll into an autobot system that makes you enter a lot of information and then eventually hangs up on you. You can not get to talk to a human. Now I can't get a credit card or a loan. I may sue. for damages.

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 2023-12-03
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting 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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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:
This inquiry, unauthorized and performed without permission by the creditor, must be removed at once.

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: M&T BANK CORPORATION
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Request transfer of VA appraisal from M & T bank to XXXX XXXX XXXX and they have yet to receive it. M & T took 4 months of no return calls to address my concerns and/or requests. Attempted to schedule closing once they received notice to transfer. As a XXXX veteran.Ive never experienced such horrible treatment nor has a VA loan ever take 4 months. Follow up email was further degrading. Please assist with this transfer if possible. XXXX XXXX XXXX, XXXX. 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 non-monetary relief
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: FL
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 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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 2019-08-23
Company: Recovco Mortgage Management, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I submitted our entire financial information (Social, Bank statements, etc) literally over 1 month ago and have been told every time they are "looking into our eligibility". They mentioned it would take 5 business days. It's been literally 32 days. I have called NUMEROUS times, left voicemails, and no one ever gets back to me unless I continuously call and finally get ahold of someone. Upon being on the phone, they only say "we've reached out to our team and we should hear back soon".Also,  just 2 DAYS after leaving this review on XXXX, I've started receiving MULTIPLE spam calls saying there is a warrant for an arrest, that my SOCIAL SECURITY number has been suspended (like that can even happen) and further my PERSONAL XXXX was banned out of nowhere.I would BET MONEY that this company was dissatisfied with my honest review and gave out / sold my information as well as reported my account to XXXX (for nothing) to get my account disabled. (believe it or not, fXXXX doesn't check on reports, it just automates the response)

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TD BANK US HOLDING COMPANY
State: AK
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:
on XX/XX/2023 I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/2023. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/2023 I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. XXXX XXXXXXXX XXXX states they have no record of it yet they are appearing on my XXXX account. XXXX XXXX has submitted a dispute and TD auto finance has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital One is reporting an erroneous account on my credit file. I recently checked my credit and noticed that I have an account reporting on there that I am not aware of and does not look familiar to me. I am on someone's account as an authorized user but it is not my account. I never signed anything authorizing this account to report on my credit and I never requested to be added on this line of credit. I need my name removed the the account and deleted from my credit file immediately. This is not my account and I was never aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2022 - Interview Invitation received from XXXX XXXX using email XXXX XX/XX/2022 - Interview was held on XXXX - point of contact " XXXX XXXX XXXX '' - XXXX ID XXXX : XXXX - Offered employment and emailed employment agreement and documents to complete and return. 
XX/XX/2022 - Informed needed to pay fees for software and equipment for home office and would be fully reimbursed- was provided a Reimbursement Agreement contract document and emailed a " Start Up '' check that was to be reimbursement. Instructed to print and deposit check via banking app. 
{$550.00} XXXX transfer for software licensing. 
{$950.00} XXXX transfer for office equipment and materials {$850.00} XXXX transfer for overnight shipping service for office equipment and materials XX/XX/2022- Message received the company will be emailing a check of {$5500.00} today to complete all general payment including the Tax and Clearance fee for working materials- asked to make yet another a payment of {$1500.00} with personal funds and that would be reimbursed with another startup check before the end of the day. 
This was too much. Bank of America was immediately called at this time and a complaint filed, Claim # XXXX - requested action be taken to recover my money. Bank of America has not provided any follow up even though the full information of what transpired and how it was conducted has been submitted in support of complaint. The bank put a stop payment on the check that was deposited as instructed resulting in {$0.00} reimbursement. 
Complaint filed with FTC. 
Report number : XXXX Thank you for filing a report with the Federal Trade Commission and helping to fight fraud in your community. 
The FTC does not resolve individual reports, but your report will be entered in the FTC 's Consumer SentineXXXX database and will be available to federal, state, and local law enforcement across the country. 
XX/XX/2022 - Bank of America reversed the mobile deposit of {$2400.00} stating a stop payment was made on the check on XX/XX/2022. Notice of returned item received via USPS - notice is dated XX/XX/2022. 
XX/XX/2022 - Emailed to the " vendors '' requesting immediate refunds. No responses. 
XX/XX/2022- XXXX message to " XXXX XXXX XXXX '' - " Refund my money immediately '' - no response.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$720.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: TX
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, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXXXXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. Under XXXX5 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

Company response to consumer: In progress