BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: NV
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 demand that these requests be removed as soon as possible and that my credit score be modified appropriately, as I did not permit these companies to get my credit report. I also want a copy of my updated credit reportwhich shows these changessent to me as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-02
Company: EQUIFAX, INC.
State: OK
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable Here is the account that is mentioned : XXXX XXXX XXXX : {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable Here is the account that is mentioned : XXXX XXXX XXXX : {$27000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, 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 submitted a letter to the Credit Bureaus to delete these suspicious inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed a letter to the agency asking for agency to validate the debt. It has been over 30 days and the agency has not provided/ mailed any correspondence

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: CBC Companies, Inc.
State: TN
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:
Ive contacted Innovis several times and most recently at the beginning of XX/XX/XXXX ( see attached ) regarding incorrect information on my Innovis credit report. First, despite XXXX certified letters to Innovis informing them that they have mixed my deceased fathers file with my file they have continued to attribute XXXX, XXXX  addresses to myself when I have never lived in XXXX, XXXX. My father on the other hand lived in XXXX, XXXX  until he died back in XX/XX/XXXX. Second, in addition to attributing XXXX XXXX  my father accounts to me ( XXXX # XXXX and XXXX XXXX  # XXXX ), the details of these XXXX accounts are completely inaccurate and incomplete. The XXXX account was settled back in XXXX by my father before his death and a XXXX was issued ( see attachment ) by XXXX which was file in my fathers final XXXX taxes. In addition, the account they are posting has no Date of XXXX Deliquency or the Date the Account was Closed which is necessary to determine the dropoff date for this account. Also, there is no Payment History, either positive or negative! The XXXX account is likewise missing Date of XXXX Deliquency and the Date the Account was Closed that is needed to determine the dropoff date for this account. Again, there is no Payment History, either positive or negative!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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  has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

14 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The XXXX account ( XXXX ) was written off and closed with a {$0.00} balance on XX/XX/XXXX. However, Experian Payment History has marked this account as Charged Off ( CC ) every month from XXXX XXXX  through XX/XX/XXXX. 

Although the account was closed in XXXX XXXX the account appears as an open account that I have missed making payments from XX/XX/XXXX to the present. As a result of Experian 's inaccurate reporting, my credit score has dropped significantly.

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 2019-07-31
Company: Quality Asset Recovery LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, filed a previous complaint in which they denied abusive behavior. Anyway, QAR of New Jersey sent a pdf file containing original contract in XXXX and then a subsequent agreement from XX/XX/XXXX of me agreeing to pay {$25.00} a month with a check #. This agreement apparently resets the collection account but the {$25.00} payment was not subtracted. More importantly, QAR even responded that debt was reset to XX/XX/XXXX but are reporting debt as of XX/XX/XXXX scheduled to be removed XX/XX/XXXX. This is an attemp to re-age old debt. If the new statute starts in XX/XX/XXXX then it goes for 10 years in WV but only allowed on credit report for 7 years and it is currently listed as 2 months old. Ive asked company to reflect their inaccurate reporting and thus far they havent. If you could intervene I would appreciate it. I am just asking for it to be reported accurately.

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 2018-11-07
Company: Innovis
State: ND
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 have contacted Innovis on numerous occasions, both by phone and mail, and tried to have them explain to me how they are verifying this erroneous reporting account as accurate, and they always reply with, " we obtain our information from the credit bureaus for this account. '' The credit bureau, or any agency that sells information " for profit '' for credit reporting purposes, are NOT the original creditor for this erroneous reporting account, and any reporting of accounts, except by the original creditor of the account, should not be considered as trusted information and deemed verified. If Innovis can not provide me with satisfactory written proof of the creditor they contacted, the creditors phone number, and the name of the customer service rep that provided Innovis the information to verify the account, they are in violation of my FCRA rights and by law, they MUST delete this erroneous account from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My partner had a checking and savings account at Wells Fargo ( WF ). In XXXX XXXX, he completed and signed the Transfer/Payable on Death beneficiary form that Wells Fargo gave him naming me as the beneficiary on both accounts and hand-delivered to a Wells Fargo branch. He died recently and now Wells Fargo refuses to honor it. 

Here 's what happened ( I know because I was with him ). 

He went to the WF branch at XXXX XXXX XXXX, XXXX VA. He asked for the form to designate a payable on death beneficiary for his Wells Fargo checking and savings accounts. 

Wells Fargo & Company of course being a " community-based financial services company with approximately {$1.00} XXXX in assets '' and " approximately XXXX team members. '' XXXX company, XXXX team for all those financial services. 

The Wells Fargo employee first gave him the wrong form ( one that was for creating a power of attorney ). He asked again. 

Eventually, a Wells Fargo employee gave him a form that said it was a Designation of Transfer on Death ( TOD ) Beneficiary form ( it also said it could be Payable on Death ( POD ) ). They insisted it was the correct form.

He filled it out with all essential information including checking and savings account information in section 1. The form even says " Beneficiary designations will only apply to the account ( s ) as designated in section 1 of this form. '' He properly identified those accounts in that section. And named me as the primary beneficiary. Next to the box that says, " Primary beneficiary : Individual ( s ) or entity ( ies ) who will receive the funds upon the death of all account owners. '' He dated and signed it.

He then hand-delivered the completed, signed form to a Wells Fargo employee , who copied it, gave him back a copy of the form, and said that was all he needed to do. This was in XXXX XXXX XXXX. 

Note : a diligent search of the Wells Fargo website located no other Designation of Transfer on Death ( TOD ) /Payable on Death ( POD ) Beneficiary form. 

After my partner died, imagine my shock when I went to a local Wells Fargo branch to report his death, provided his death certificate and the completed TOD/POD form ( dated XXXX ) only to be told they didn't have a record of it, it was the wrong form, and it wasn't valid. 

The form that Wells Fargo gave him, the form that Wells Fargo said was the right form and when completed and signed, the form that Wells Fargo accepted and said was all he needed to do. Was. not. valid. 

Please advise how I can get this properly processed and the funds in those accounts transferred. The local branch copied both the death certificate and the completed TOD/POD.

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 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
My mortgage was discharged in Chapter XXXX on XX/XX/2018. 
XXXX XXXX sold my mortgage to XXXX a Credit Collection Company. My lawyer sent them a letter explaining they are breaking Federal Bankruptcy Law 524. The have ignored my lawyers letter. 
XXXX is continuing to send me certified letters, reporting this on my credit report, and acting like I owe this to them. When this mortgage was discharged by Judge XXXX XXXX. 

I contacted my attorney again, he explained to me we could file suit, with me again having to put out thousands of dollars, which I already have put out thousands of dollars to get rid of XXXX. 

Why do I have to pay more money to get rid of a company that is breaking Federal Bankruptcy Law. 

It took me 2 years to rebuild my credit score to the middle 600 's since XXXX reported this mortgage ( that doesn't exist ) to the credit bureau my credit score is now in the low 500 's I will never be able to regain a mortgage, buy anything with a decent interest rate, I did the right thing I filed Chapter XXXX, and know am being punished by XXXX, who is breaking the law. 

Where are my rights, without having again to spend thousands of dollars to sue someone who is breaking the law. 

Please find attached. The letter from my lawyer to XXXX, my discharge papers from Federal Court.

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 2023-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 never applied for a Bank of America credit card from XXXX to XXXX The account # on my my credit report is XXXX. Someone else did this by using my information which this is fraud and theft. This needs to be remove from my credit report from all XXXX credit bureaus.

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 2023-01-23
Company: DISCOVER BANK
State: GA
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:
Discover is refusing to properly reassert and CORRECTLY INVESTIGATE dispute. I was told on XXXX by The Discover Fraud Department that they will not reassert my dispute without new information. Counts as follows ; 1. Due to not being able get in touch law enforcement.

RESPONSE : I called and spoke with the police department ; they said they have received no phone calls or messages from Discover, but would speak with them if they call.

2. That I viewed activity on a XX/XX/XXXX and XX/XX/XXXX and did not report until XX/XX/XXXX. 
RESPONSE : I called in on XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX all reporting that my card was lost and my account needed to be locked. I received correspondence emails stating that Discover was sending me a new card, crediting my account and locking my account. BUT I NEVER RECEIVED A NEW CARD AND MY ACCOUNT WAS NOT REPORTED. 

3. That I made payments from XXXX to XXXX prior to reporting fraud. I DID NOT MAKE ANY PAYMENTS UNTIL XX/XX/XXXX. 


4. My name and phone are spelled incorrectly on all fraudulent charges. PLEASE LOOK AT THE BILLING AND SHIPPING ADDRESSES. THEY ARE WRONG!!!! 

Under the federal Truth in Lending Act ( TILA ), credit cardholders can only be held liable for unauthorized charges up to {$50.00}. Because Im facing charges of more than {$1700.00} Discover can not demand payment of this unauthorized charge or any related fees. 

I did exactly what I was supposed to do under these circumstances. When she received her credit card statement, I reviewed it immediately. Then, I quickly disputed the unauthorized charge multiple times. As soon as Discover was notified about the disputed charge, it was obligated to perform an investigation under the federal Fair Credit Billing Act ( FCBA ). At first, it appeared that the charge was handled correctly because the charge was reversed and removed from my account. But when the charge reappeared and I re-disputed, the credit card company violated the FCBA by : -Failing to perform a proper investigation, -Failing to consider the evidence XXXX provided XXXX -Failing to provide proof of the contract or receipt that XXXX allegedly signed in support of the charge, -Permanently reinstating the charge that was previously removed, -Refusing to provide an adequate written explanation of its decision and supporting documents to justify the reinstated charge, and -Continuing to demand payment of the charge and associated interest and fees. 
-Unlawfully charging XXXX for a transaction I did not authorize, -Failing to investigate and correct the charge, -Falsely claiming it did investigate, Billing me for amounts I dont owe, and -Trying to collect the unauthorized charge while adding interest and other fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items my credit report. It has been well over 30 days and I haven't received any investigation 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 non-monetary relief