BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was mentioned in my previous COMPLAINT #, and I include it again. Please don't ignore my request to repair these inaccurate items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: BANK OF THE WEST
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, our RV loan was paid in full via cashiers check. Bank of the West did refund the overage of {$21.00} as the payoff was a 10-day window estimate. 
On XX/XX/XXXX, an electronic payment in the amount of {$270.00} was debited from my bank account and paid to Bank of the West in error. 
On XX/XX/XXXX, when I discovered the overpayment, I phoned Bank of the West to get the issue rectified. The Bank of the West representative I spoke to was XXXX. XXXX confirmed the overpayment was received and he said he would create a work order to get a cashiers check in the amount of {$270.00} issued back to me. He said it would take approximately 5-7 business days for this to occur. 
On XX/XX/XXXX, I still had not received the refund check, so I called Bank of the West customer service. XXXX is the representative I spoke to. XXXX told me that nothing had been done to get the refund check issued and Bank of the West is requiring proof that the {$270.00} was paid to them from my account. I was appalled to hear this information. I asked XXXX if anyone was going to let me know of this new requirement and was met with silence. I asked XXXX what type of proof I needed to provide. She said I would need to send a fax and a copy of my bank statement showing the withdrawal from my account. She also stated that I would need to follow up in the future on this issue. 
I am extremely upset and disappointed in the turn of events and the lack of customer service. The first representative ( XXXX ) was very professional and friendly. He had no problems seeing the overpayment in the system and taking the steps to get a refund issued to me. At no time was there mention of sending any additional documentation. Now, mysteriously, XXXX is telling me she cant see the overpayment in the system and that nothing has been done for over 3 weeks and no one bothered to even notify me. I have sent Bank of the West a copy of my bank statement showing the overpayment and requested a call back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/22 I mailed certified a personal information dispute requesting incorrect personal information be deleted from my report. Experian removed a portion of this incorrect information but not all. On XX/XX/22 I mailed certified once again another personal information dispute demanding inaccurate details be removed from my report. Experian has refused to remove this information or otherwise provide the required documentation as to their knowledge of truth in the personal information reporting.

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 2021-08-31
Company: EQUIFAX, INC.
State: PA
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 recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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. 

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 DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED 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 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 DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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 2023-01-19
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: Account information incorrect

Complaint:
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
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:
Experian and XXXX are fraudulent on my following accounts : XXXX XXXX XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX/XXXX is fraudulent on my Acct # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TD BANK US HOLDING COMPANY
State: GA
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:
XXXX XXXX XXXX XXXX {$34000.00} XXXX XXXX, XXXX XXXX XX/XX/2023 {$40000.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 {$360.00} XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Cornerstone Holdings, Inc.
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Re : Cornerstone Credit Services.L.L.C ( XXXX ) I have spoken to representatives at Cornerstone regarding notices to pay client XXXX XXXX XXXX the total amount of XXXX regarding statement XX/XX/2022. 
When I called the Cornerstone representative today, XX/XX/2022, they notified me the total in now {$180.00}. Even though I still have not received a bill from XXXX  XXXX. I called XXXX  XXXX  today and I paid my bill directly and paid the {$150.00} bill. ( paid on XX/XX/2022 ref # XXXX ) On XXXX, XXXX Cornerstone sent a notice on behalf of XXXX XXXX XXXX for the amount of {$44.00}. I also paid them directly. ( attached statement paid on XX/XX/2022 ref # XXXX ) Cornerstone wanted me to pay the {$44.00} and {$180.00} today. One amount has interested applied and the other does not. 

When I last spoke to Cornerstone I was told the total amount included both the {$44.00} and {$150.00} to get me pay the {$180.00} that the XXXX XXXX statement was at the time knowing the {$180.00} would not cover the {$44.00} amount. 
Both attached statements are from Cornerstone Credit Services. 

Cornerstone wanted me to pay a total of XXXX today but I declined stating both Alaska XXXX XXXX and XXXX XXXX have been paid. The statements attached are the only Cornerstone Statements I have received. They informed me the interest will be billed to me. 


Please Advise

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I made my request for my credit report via the XXXX website. Experian refused to provide me my report online and stated that I would have to mail in additional verification. I then went directly to their website and chose an option that required me to pay them for the service, and they immediately provided the report after I paid the fee. 

It is very obvious that they are intentionally circumventing my right to receive a free copy of my report and attempting to get me to pay for their service by refusing to provide reasonable access to my report if I do n't choose their premium service.

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 monetary relief
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2021-08-31
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted disputes and FTC reports for fraudulent accounts and hard inquiries. None have been deleted. The accounts and hard inquiries are the following : XXXX  : Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Accounts - XXXX XXXX  XXXX XXXX : Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts - XXXX XXXX XXXXXXXX Equifax : Accounts XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: MA
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:
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 reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to pull my credit. I have asked Credco and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

Credco XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have request a investigation of Midland Credit Management account on my credit report. The charge -off of an obligation with Midland Credit Management is incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2023 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
so this woman added me on XXXXXXXX XXXX XXXXXXXX is her profile link and she offered to help me make money on bidding on nfts. she then added me on XXXX XXXX with the phone number i provided. she also added me on her supposed work phone on XXXX XXXX as well. XXXX XXXX XXXX XXXX the other number is XXXX XXXX XXXX XXXX she goes by the name XXXX XXXX XXXX and claims to own her own yoga studio she talked me into downloading trustwallet from XXXX  and then from there wire transfering my money from chase bank into it at first it looked like everything was going good but the browser she had me open which was called XXXX XXXX which is a website im sure she created on her own to scam strangers for money. so somehow she hacked into my trust wallet and stole all my funds which was a total of {$24000.00} dollars. once she did this she shut down the website and never spoke to me again. now when i try to visit the website it goes straight to a metamask website. please help me get justice and retrive my funds back this has set me back significatly my name is XXXX XXXX and my phone number is XXXX XXXX XXXX. Please let me know what steps i need to take to get this taken care off. the wire transfer went through a bank called XXXX XXXX XXXXXXXX XXXX which is located in XXXX New York XXXX XXXX XXXX XXXX XXXX. i have tryed to contact this bank to perform a chargeback process and ive left multiple voicemails but they dont return them. i also checked the reviews recently on this bank and many people have complained that this bank is running a criminal organization and scamming many people out of their hard earned money. i also tryed to contact chase bank to perform a chargeback process but they did not help me with this they said i have to contact the bank and the authorites i also am planning to get a lawyer to help me deal with all of this please help. also in the discloser it states that i have 120 days to do a charback process through chase bank and it has not been 120 days and they said they couldnt do it or help me with no concern of my stolen funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 had reached XXXX bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2023-01-10
Company: Bridgecrest Acceptance Corporation
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 status incorrect

Complaint:
On XX/XX/XXXX I received an email from Bridgecrest stating that my account would be reported as 30 Days Delinquent if I did not remit payment by XXXX XXXX PST on XX/XX/XXXX. On XX/XX/XXXX at XXXXXXXX XXXX  EST ( or XX/XX/XXXX XXXX XXXX  PST ) I remitted payment in the amount required to prevent a 30 day delinquency report on my credit reports. On XX/XX/XXXX I contacted Bridgecrest to resolve the issue and was told that their systems automatically report to the credit bureaus and they will not change the account status because it is accurate. I then reiterated that I made the payment before the PST deadline and was continuously met with a refusal to correct the information.

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 2023-08-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX 15 USC $ 1681c-2 a consumer reporting agency shall block the reportingof any information in the file of a consumer that the consumer identifies as informnation that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in direct VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL SUBJECT to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordancewith the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts/items listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation