BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
Company: Experian Information Solutions 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:
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  Im submitting this requsest in regards to my initial dispute to the credit bureaus ( XXXX, XXXX and Experian ). I submitted a request for validation for account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not recevie a response back from neither credit bureau, after reading over my consumer laws I've determined that this is a FCRA violation and and Im requesting for immediate deletion of both accounts becuase its past 30 days and the bureaus have not responsed and also the following information was not provided. I requested each bureau to provide me with the following : What the money XXXX XXXX XXXX XXXX XXXX XXXX  say I owe is for. Explain and show me how you calculated what you say I owe. Provide me with copies of any papers that show I agreed to pay what you say I owe. Provide a verification or copy of any judgment if applicable. Identify the original creditor, as the original credotr listed is just " medical '' Prove the Statute of Limitations has not expired on this account. Show me the you are licensed to collect in my state. Provide me with your license numbers and Registered Agent or Agent of Service. Also, its has been 60+ days and no comment and/or remark have been made to my XXXXXXXX XXXX XXXX XXXX XXXX XXXX to acknowledge my dispute. Per the FCRA ; Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. This is yet another violation and grounds for immediate deletion.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: 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: Credit inquiries on your report that you don't recognize

Complaint:
I just want to remove ALL FRAUDULENT INQUIRIES from my credit reports. And I am NOT at ease that these fraudulent inquiries were still in my credit reports. I am once more asking to the Experian and XXXX to please REMOVE these listed fraudulent inquiries from my credit reports : EXPERIAN : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. See the documents attached. 

XXXX XXXX XXXX Date Opened XX/XX/2019 Balance {$10.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi I lived at XXXX XXXX I got evicted .at first I didn't know about the Fair collection and outsourcing they did not send me a letter. it was on my credit report. I filed a complaint with you the F.C.P.B after you guys investigated it I received a letter from Fair collection and outsourcing.when I went to court I got the paperwork of from the court. satisfaction of judgment paperwork I would like to get this taken care of and off my 3 credit reports immediately

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 2023-05-24
Company: ALLIANT CREDIT UNION
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: Information belongs to someone else

Complaint:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XX/XX/XXXX Balance : {$6300.00} XXXX XXXX XX/XX/XXXX Balance : {$5000.00} XXXX XXXX XX/XX/XXXX Balance : {$15000.00} ALLIANT CU XX/XX/XXXX Balance : {$10000.00} XXXX XXXX XX/XX/XXXX Balance : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax removed 2 active and open accounts from my credit report and dropped my score drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions 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 am not responsible for this debt with XXXX XXXX. I do not have a contract with this company. They did not provide a contract as requested.

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 2023-05-24
Company: EQUIFAX, INC.
State: AZ
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 XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently applied for a XXXXXXXX loan for the first time through bank of America. during the application process they said it was time to pay for a property assessment on XX/XX/23 and I needed to pay them XXXX. I asked XXXX their loan person if i should pay it at that time and was the loan looking in my favor. she stated that my employment was already verified and i should pay it so i did with my debit card for bank of America. the next day I was told that my loan was denied that I i had not told them my XXXX  was temporary, I stated i told them several times that i was a traveling XXXX XXXX with continued employment from a permanent position with only a few weeks between my last job and that i had XXXX years in same field, I have been with my current job for XXXX  months they said i put on pre-qualify application i had same employer for XXXX years which is not correct but i have been working for several years prior and no where did the application did it ask if i was a traveling or contract employee. i said have worked for current several years prior in XXXX. I mentioned to them several times to listen to the recorded conversation and that their employee stated this had already been checked before i had paid the money. why would they do that before i was approved. i feel like they coerced me into paying this fee early. i offered more money down they refused. i mentioned removing money from my auto loan through them they refused. XXXX XXXX became very rude and abrupt while i asked for a refund telling me its because of my income which is huge and then because of my employment and because i didn't say i was a temp but they had my pays stubs from the get-go. then today XX/XX/XXXX XXXX  days later they sent me forms dated today with forms of loan basically appearing that i received the loan " loan estimate with his name on it for me to sign. very upsetting thinking maybe i was approved so i called the realtor to stop the termination. I was wrong he stated " I told you You were denied because of your income '' i understand them refusing the loan but believe that them having me pay for a property assessment that that they knew i was denied for was uncalled and uncaring. what am i going to do with an assessment on a place i can not get the loan for. I have been taken advantage of and swindled by this bank

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 2023-06-28
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:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, Ive been with Bank of America for about XXXX years since I opened a debit and a credit card and all those years Ive never had any issues or anything unpaid Ive always payed on full every month and Ive never had any troubles, today I tried to use my credit card ( that I havent used in person for about XXXX months because I usually use my credit card for online subscription/ and online payments and I use my debit for anything else ) and It said it was declined, I called my bank and asked them what happened and they said they have closed my account because I forgot to pay a couple months ago and its been accumulating ( something that I didnt realized ) because I payed my minimum amount last month and this month too ) and I thought I was paying a normal monthly payment but Ive been XXXX while my card its been closed ( it was a total of around XXXX dollars ) I tried to ask them if they could reopen it and this wont happen again because It was just a misunderstanding I never meant to not pay but they say their policy doesnt allow them to reopen a credit card and that they were very sorry this happened to me, I checked my credit score which was XXXX last time I checked and when I check today it dropped to XXXX over the period of a month I understand this happened because of the closure of my credit card but I dont think its fair that my credit goes down so bad for something I wasnt aware of ( I never got an email with anything saying that I didnt pay for that month of anything saying that my account was going to be closed and I wasnt aware for XXXX months that they just closed it and didnt even gave notice or anything, if I could get help on what to do and what my steps are to fix this credit score that would be awesome, the only reason why I opened a credit card was because I moved out of my parents and they told me thatll help me get approved for apartments, my lease ends in less than a month and I wont get any application approved because of my credit, thank you so much.

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 2023-02-13
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:
{ RE : Second Chance To Cure You Violated The United States Code Law XXXX code 1681b - Permissible purposes of consumer reports 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. 
Infringed upon my right to privacy. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. 
As per the Fair Credit Reporting Act of 1970, I am requesting that when responding to this dispute, you show the Method Of Verification you have used in determining the accuracy of the above-listed information. I do not consent to the use of E-Oscar as a verification method.

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 2022-10-14
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am interested in disputing the inaccuracies on my credit report with Experian.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-24
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
They are utilizing illegal practices and I didn't realize it until the sign up process was so sketchy. They are trying to boost your credit by making unsolicited deposits in your personal bank account and demand to have the money sent back to them as their process of verification. They asked me to load two XXXX gift cards with XXXX dollars after they made a XXXX deposit in my personal bank account. I couldn't get the gift cards to load so they tried to make me get a bitcoin deposit. They are trying to qualify you for a loan you are would never qualify for by boosting your credit this way. It is an Illegitimate lender.

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 2023-07-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 I went to chase bank because I have a checking account there and I am allowed to withdraw from my prepaid XXXX card so I went and I tried to withdraw the rest of my full paycheck which was {$1000.00} I was charged a fee of XXXX. I walked inside to the teller and did this. Their system was messed up and they were not able to give me my funds me thinking. My funds were still on my card. I went to go to another bank ATM to try to withdraw and it said I had no funds. I was very confused because I did not receive any funds at Chase so my money should've been still on my card, I looked online at my transactions on XXXX and Chase took out my money that I had tried to withdraw but their system was down. I went back to the bank spoke with the manager and said that if it shows in pending status still on my XXXX website, then that night at XXXX PM the Chase system should release the funds back, but I also had netspend on the phone and they spoke with the manager asking him if he could send some type of authorization that once the funds stop pending that they won't take the funds into their accounts and will release the funds back to XXXX the manager said that no he did not have anything like that and can do nothing. I asked him if there's a higher up, I can speak to you to get this fixed and he said no that there was nothing they could do that I had to file a dispute with my prepaid card but all I was doing with withdrawing my money from my prepaid card and Chase and because their system was messed up I was not allowed to get my Funds. 
If I did not choose to withdraw my money from the bank that day, I would still have my money on my card.I have contacted Chase on the phone multiple times I have contacted XXXX I have filed a dispute I have children and that was my full paycheck and now I have to wait for an investigation for 10 days until I get my next paycheck so I have to wait XXXX full month to get paid. I have bills due and now they are past due with late fees. I am not sure what to do. Chase is not helping me at all. I still have not received my funds. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: IL
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:
A creditor ( XXXX XXXX ) has unlawfulley treated a payment on a loan account under an open end consumer credit plan as late! 

So by law referring to 15 USC 1666B : a creditor may not treat a payment on a account under a open end consumer credit plan as Late for any purpose!

Company response to consumer: Closed with explanation