BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: KY
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:
There is an inquiry from XXXX XXXX reporting on my report that does not belong to me. XXXX XXXX  has agreed to delete the inquiry from all bureaus but it is still showing on my Equifax report. 

This is the statement from XXXX XXXX  ( XXXX  ) We have reviewed your complaint and found an application was submitted on XXXX XXXX, 2020, using information that verified to you. We have accepted the application as Fraudulent. '' We have asked the credit reporting agencies to delete the credit inquiry from your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: MI
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/2020 I submitted consumer complaint letters to Experian and XXXX because of the inaccurate things on my credit report that we hurting my credit report. I then sent a 30 demand to comply on XX/XX/2020 and still didn't get a response from ANY bureau. I then uploaded complaints to the CFPB XX/XX/2020 in which I recently found that they ceased my investigation saying that " this is you ''. I don't understand. I XXXX XXXX have filed complaints with these bureau because they have failed to inform me of their investigation and it has been 3 months. This is violating consumer rights and laws.I am stressed. These accounts that are on my report and not right and are affecting my lively hood. Could someone please look into this for me. Please feel free to contact me.

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 2021-01-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am hiring a lawyer to sue Experian because the CFPB is responsible for protecting consumers rights, I have sent over 10 disputes via the CFPB to Experian for the account " XXXX XXXX XXXX ''. 

The CFPB has allowed Experian to violate my rights as a Consumer month after month in regards to Section 609 of the Fair Credit Reporting Act. I sent a dispute last month that contained new documentation including a police report, an FTC identity theft report, and a 609 letter. 

They are reporting the account as " late '', " paid '', and " charge-off '' which we know is virtually impossible for all three to occur simultaneously. How can I have a paid as agreed checking account, showing on my credit as a charge-off account, that is showing late payments?!!?

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/2020 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

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 2020-02-26
Company: Lending Club Corp
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
A mix up with an arrangement of when to take the payment out of my bank account. 

I had made previous arrangements with them and they still dinged my credit as late. I have not been late on a payment to anyone for over 3-years. It affected my score by 100+ points.

The information on their website under my account and arrangements made do not match. You have over a 20-minute wait to speak with an representative and when you request to speak to a Supervisor you are told they do not have one. If you push further, they then state one will call you back. It never happens.

I called again today and their is additional errors on my payments. After waiting for 25 minutes and being hung up on, I was told that they are upgrading their software ( XX/XX/XXXX ). They did not take out the payment today and I was told that it will take up to 60-days to rectify and then not sure. This will probably make another show of being late. I can not keep doing this. It always like a joke to the person you are speaking with. 

It is very stressful ... I am XXXX years old on Social Security XXXX  and do not need this additional headache or problem. It severely affects my health and well being. 

I need Lending Club to take off the erroneous late payment to all 3 bureaus. 

I will never get a loan off the internet again ... It shows the corporate in XXXX XXXX ... 

How am I suppose to keep up with what they consider business as usual ... the only thing they have accomplished is to ruin my credit score ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Franklin Collection Service, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have had a claim dispute going since XX/XX/XXXX. On XXXX XXXX my claim was closed for some mistake made on behalf of XXXX BofA categorizing me with all other fraud accounts and individually based on my account situation but I complied with their request to get clearance of my name with XXXX and report back to them when I had clearance. I did that and was sent to bank of america fraud department and they also had no negative reports on me and sent me back to claims as well clear from any fraud activity and my claim dispute was then reconsidered and opened along with being escalated to the top of their priority for review and it is now XXXX XXXX XXXX and I have moved no further than I was last year and I sent in FTC REPORTS, POLICE REPORT and Documented proof I recently discovered on my own connected to my identity verification with XXXX showing different IP addresses connected to my information trying to claim my identity and the IP addresses lead back to an address of someone related to my fathers family that has been committing identity theft and fraud with my personal information and account as well as my fathers account. With all this proof and being told I am getting my provisional credits and then told I don't qualify for my provisional credits and then that I do is getting ridiculous not to mention the losses I have had to endure from this problem with my dog XXXX because I was not able to access funds at one point when my dog relied on me to pay her medical bills and treatment to be ok and I couldn't and we were turned away only to have my dog die on me hours later in the day. I have done more than enough on my part to clear my name, provide proof of identity theft and fraud being committed, have patience as I am constantly being yo-yoed around with back and forth answers and losing my best friend being one of the hardest parts of all of this just to still be no closer than I was the first day XXXX reported my claim and not getting any answers except that I will get my provisional credits and then a few days later no that I won't and they can't tell me anything. I just need someone to help me and have no idea as to what else I need to do to be heard and get results.

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 2023-01-16
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We paid for a storage unit using a Wells Fargo credit card card for several months. When we vacated the unit and followed the proper procedure for discontinuing the service, we found that we were charged for an extra month. We discussed this with the vendor who claimed to issue us a refund for that extra month we were erroneously charged. After several days, we still did not see the refund, we followed up with Wells Fargo who confirmed that no refund processed and none was in process either. At this point, we filed a dispute with Wells Fargo on the charge. We got a claim number for the dispute on XX/XX/XXXX. 

We received emails from Wells Fargo every 2 weeks saying we are making progress on your dispute. On XX/XX/XXXX, we received a voicemail from Wells Fargo asking us to call them back. We did so immediately. Over the course of the conversation with the claims team representatives, we were told that actually, nothing at all had happened with the claim since we filed it on XX/XX/XXXX ( despite the emails from Wells Fargo assuring us otherwise ). The representative said that they needed another 3-5 business days to process a temporary credit on our card. 

So as of the time of this writing, it has been 94 days, past the limit that Wells Fargo has to resolve a dispute.

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 2021-01-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I've file disputes for those inaccurate and unknown accounts I found on my credit report. I'm a victim of Equifax Data Breach. It's almost 60 days now but I haven't received any response. I demand for immediately DELETION of those accounts or I will file a litigation that cause me stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report dated XXXX, XXXX / XXXX / TransUnion has not responded/ replied / answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Date Opened XXXX XXXX Balance : Balance : {$17000.00}. I believe it was reporting 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 non-monetary relief
Consumer complaint received 2023-03-30
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: Information belongs to someone else

Complaint:
I am submitting this CFPB complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA. I need the following items removed off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$7300.00} XXXX  XXXX XXXX Balance Owed : {$1500.00} ( previously late open ) XXXX XXXX XXXX Balance Owed : {$0.00} ( previously late open ) XXXX XXXX XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Unpaid Balance {$15000.00} XXXX XXXX XXXX XXXX Unpaid Balance {$120.00} XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021. I demand that you remove these fraudulent items from my credit report immediately, and provide me with a written confirmation of the removal. Failure to comply with this request will result in legal action against you, as I will not tolerate any further damage to my creditworthiness.

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 2021-01-08
Company: EQUIFAX, INC.
State: AR
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy Chapter XXXXDischarged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX 3. Chapter  XXXX Bankruptcy-Discharged.. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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: Account status incorrect

Complaint:
On XXXX XXXX XXXX XXXX I call Experian credit Breau to file a complaint about one of my credit cards that was reporting as paid closed from XX/XX/XXXX until XX/XX/XXXX. After the first call Experian changed the months to pay on time, account closed. This is wrong because the account is open. After calling them on three different times they are only putting my current balance on my credit report and closed. I was told that if it was current and open that the points for paying on time would be updated on my credit report. Each time they close the investigation it is still reporting closed. After the first update to my credit report with a balance my housing credit score dropped XXXX points. I am seeking to have the points from XX/XX/XXXX through XX/XX/XXXX correctly added to my credit score. Also correct the points that was taken from me by reporting inaccurate information. My XXXX, XXXX credit reports are correct. I believe that they are just going to keep the wrong decision without actually investigating with the credit card company.

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 2021-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I filed a fraud claim for {$810.00} for a charge from XXXX XXXXXX/XX/XXXX 

On XX/XX/XXXX I received a provisional credit in the amount of {$810.00}. 

On XX/XX/XXXX my account was overdraw in the amount of {$810.00}. Bank of America claimed they issued two provisional credits on two separate dates ; XX/XX/XXXX and XX/XX/XXXX in the amount of {$810.00}. However, the bank made a clerical error because they filed two claims on XX/XX/XXXX instead of the one I initiated. Bank of America ; s representatives made two separate claims without my initiation of the additional claim. 

On XX/XX/XXXX Bank of America sought to recover their error by adding the additional credit to my account which resulted in my account being overdrawn {$800.00}. 

On XX/XX/XXXX I spoke to a Bank of America Claims Representative who admitted the bank made a clerical error by processing two claims which resulted in them taking back the additional credit which resulted in the overdraft to my account. 

On XX/XX/XXXX I spoke to a Bank of America Claims Representative who admitted the bank made a clerical error by processing two claims which resulted in them taking back the additional credit which resulted in the overdraft to my account. 

On XX/XX/XXXX I spoke to a Bank of America Claims Manager who admitted the bank made a clerical error by processing two claims which resulted in them taking back the additional credit which resulted in the overdraft to my account.

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 2021-01-07
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: Information belongs to someone else

Complaint:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation