BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: GA
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:
I have been contacting XXXX, XXXX, and Equifax since XXXX XXXX about the incorrect items on my credit report. I am writing to formally lodge a complaint and request an investigation into the actions of XXXX XXXX, XXXX, pertaining to my credit report. I have recently discovered several discrepancies that I believe to be in violation of consumer protection laws and credit reporting regulations. 

Account Information : Creditor : XXXX XXXX, XXXX Account Open Date : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) The following issues indicate non-compliance with relevant consumer protection laws and credit reporting guidelines : Last Verified Date Discrepancy : The last verified date on my credit report is stated as XX/XX/XXXX for XXXX, whereas Equifax shows a last verified date of XX/XX/XXXX. This disparity raises concerns about the accuracy and consistency of the information reported by XXXX XXXX, as it suggests that the information has not been consistently and uniformly updated across all credit bureaus, as it should be. This may violate the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy, fairness, and consistency of consumer credit reports. 

Date of Last Activity Discrepancy : The date of last activity is significantly different between XXXX and Equifax. This inconsistency is also a red flag, as it implies that the account may not have been properly managed and reported. Such discrepancies may potentially infringe upon the FCRA, which requires creditors to report the most accurate and up-to-date information on consumer credit reports. 

Date Open Discrepancy : The account open date discrepancy between XXXX and Equifax further suggests inaccuracies and inconsistencies in XXXX XXXX 's reporting. This misalignment may hinder a complete and accurate understanding of the account 's history, which is contrary to the FCRA 's stipulations for the fair and accurate reporting of consumer credit information. 

I kindly request that the Consumer Financial Protection Bureau investigate these discrepancies and potential violations of the Fair Credit Reporting Act. Furthermore, I would appreciate your assistance in addressing and rectifying these issues with XXXX XXXX, XXXX, to ensure that my credit report accurately reflects my financial history in accordance with the law. 

Please find enclosed copies of my credit reports from both XXXX and Equifax, highlighting the discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response and any guidance on how to proceed in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
XX/XX/19 About a week ago on XX/XX/19 to find a replacement radiator for a XXXX XXXX XXXX XXXX. I went on Advance Auto Parts Website. I put in the information They said I needed a P-30 replacement radiator Part XXXX. Shipping was free and the part was to be about {$110.00}. Never got a bill or credit card receipt. This item showed up last Monday, several days early. Turned out to be the wrong radiator. Had to remove old one, take it to Bend to be repaired and it still isn't done. I contacted Advance Auto Parts by phone, email, and I still had no RMA. It cost me {$66.00} cents to return this wrong part to Advance Auto and I still have no response regarding refunding my money, This appears to be a scam to send wrong parts, then play shipping & return games. I have numerous emails from them and they never supplied a RMA for the wrong parts sent and received when they told me to order a certain part? It is sad to look up the part, order it, receive it, it is wrong, call them and more excuses?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-31
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I applied for a mortgage preapproval letter from a bank last week to help with the home search. The application triggered a credit check which is standard practice. Ever since then, I have been inundated with scam calls, marketing calls, and mailers from lenders offering different types of loans I dont need. One of the sales reps told me they got my information from the credit bureau informing them that I was in the market. How can my application with the bank allow reporting agencies like XXXX to sell my information to lenders I dont want to deal with?

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 2019-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
So I have Bank of America on my credit report showing that I have made late payments on XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, and XX/XX/16. I had never paid my account late I had called a rep and told her that I needed my due date to change because of medical problems I was having and they agreed to change my due date and they would remove the late payments and they told me to not worry that it would correct on my credit report. Now I am trying to buy a house and this is affecting my credit and I need the late payments removed please. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-06-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have written to the credit bureaus and have asked for fraudulent activity to be removed from my credit reports. Over 2 months have gone by and I have not received any notifications or responses from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We paid {$10000.00} in  XXXX  on Student Loan managed through Aspire. Aspire is reporting us 90 days past due but our credit report for  XX/XX/XXXX  as well as  XX/XX/XXXX  shows the student loan status as current. This 90 day delinquency has resulted in a   XXXX   point drop in credit score. Upon seeing this on the report, I made payments to bring the account current and sent in an auto-pay authorization form to prevent future late payments. I contacted Aspire to ask them to rectify this inaccurate reporting of my account standing as my credit score has been significantly diminished. But they have refused to remove the lates from my report. I have had impeccable payment history on this account as well as my credit card accounts for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Alliance Recovery Group
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Alliance Recovery keeps calling me even after I asked them to mail me verification of whatever debt is owed. They keep referencing a payday loan that was paid off years and years ago, and the loan itself was done over 10 years ago. After speaking with them again today and asking once again to mail me verification, he told me they would be at my house at XXXX Wednesday morning and hung up on me. They've also called me from XXXX and just switched numbers. I also told them to mail me verification at that number. Also, they've called my wife in the past as well.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: TX
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:
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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX  XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumbeXXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-04-16
Company: Block, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account Was froze and displayed the message verify identity issubmitted front and back copies of my state issue driver 's license front and back copies of my social security card and a selfie of me holding my social security card and identification card next to my face they unlock my account I made one transaction and they locked my account again and told me to verify my identity and refuse to give me any information as to why my account was locked and are just blocking me and not allowing me any information whatsoever they're telling me that they'll send the email but I've been waiting for over a week now for an email and have not received it They tell me to call them I try to call them but I can not call them because my account is not verified They are using unfair and uncalled for tactics and holding my money ransom from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
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:
I sent a letter to three bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 2023-02-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have already submitted a complaint with CFPB before I talked with Wells Fargo trying to resolve the issue and trying to get some light on my issue and understand what all is going on and where my missing money went to but as usual they just talk in circles don't respond to emails or phone calls. I've left voicemails, I've been hung up on it's getting really ridiculous when I show them the fax and I have the proof I don't hear anything back from them. I explained that I wanted my three months of extra payments to go directly to principal because I was three months ahead, and after the change was done, I was told to wait 72 hours. The change never happened and began my long, confusing, Strange interactions with Wells Fargo. The month prior my payoff balance was {$6800.00} the following month, which was supposed to have my three months future payments to have gone to principal along side, my regular monthly payment regular monthly payment being on auto pay since the beginning of the loan term has been at {$810.00} after the changes were made the following month my payoff balance increased it {$6900.00} after supposedly {$3200.00} went towards my account. Wells Fargo is trying to pocket the {$3200.00}. I would really like to see this worked out and Wells Fargo be punished because this is wrong and they seem to do it so often I understand that they had a lawsuit recently if {$2.00} billion payout yet they still continue to try and rip off and steal from people.

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 2021-02-16
Company: Automated Accounts, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collection agency notice from AAI stating I owed XXXX University over XXXX XXXX in outstanding tuition. This is strange since there is XXXX XXXX in interest, and there has never been any other correspondence through AAI until the statement dated XX/XX/21. Also erroneous since I have never attended this institution nor have I ever registered. The claim seems legitimate since they collection agency has my name and address correct but no other proof is disclosed. Typically, when receiving invoice I question the intent, the amount and even the validity before responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: IL
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 am reporting Experian due to lack of safety of personal information. I just recently put a fraud alert that Experian did not whole up its bargain with keeping my information from being used without my knowledge or consent. as shown on my credit profile there has been someone trying to access credit using my personal information and I did authorize any of these inquiries and I am requesting them to be removed 28inquiries These lenders have accessed your credit file : 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 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 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 2020-12-30
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 status incorrect

Complaint:
I was going over my credit file and I just notice that there are over 20 inquires on my credit report. I did have a few new credit cards and they are fine. However, I never applied for any loans or business apps for the following companies : XXXX XXXX XXXX , XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I do not have any accounts or any dealings with these companies please delete them at once. 
Fair Credit Reporting Act - Fair Credit Reporting Act ... 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] .Sec . 604. Permissible purposes of consumer reports Please send me any copies of my signature or something showing that I had submitted app because this is an obvious error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 explanation
Consumer complaint received 2023-02-24
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:
o whom it may concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am ocially challenging you to review your data on le for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deciencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data eld formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be veried, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been conrmed as facts.Please take care of any false accounts on my credit report. I am requesting that you x this issue as soon as possible because it will aect me nancially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, veried and compliant data documented in it!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: Atlanticus Services Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation