BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : OHIO DEPT OF HUMAN SERVICES {$2800.00}. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Fraudulent activity on account was reimbursed to us. But then we were told we had to pay it back. And they can not produce a paper trail where fraud checks were credited back. Amounts were {$700.00}

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 explanation
Consumer complaint received 2018-08-21
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I graduated with my XXXX degree in XXXX. I had XXXX XXXX XXXX. I was told as long as I stayed in a non for profit, worked full time, and did an income based repayment plan, my loans would be forgiven in 10 years. Then in XXXX, I got notice that my loans consolidated to XXXX XXXX XXXX. What I wasn't told was that none of the time from XXXX XXXX that I paid my student loans would be counted for, for forgiveness. This makes me upset and I have spoken to numerous people from XXXX  that just say that all they can see is that the loan was consolidated in XXXX. They say I won't get any credit from when I worked in a non for profit and I don't think thats fair. It is definitely not ethical, nor should it be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After sending a certified letter with other documentation showing the errors ( Bankrupcy ) on my credit file, not getting a response in 30 days, having to contact the CFPB to hold them accountable, Equifax sent me a letter and a new credit report stating the info was verified through XXXX. XXXX sent me a letter stating that there is no bankrupcy showing in my personal file. I call Equifax and stated that they lied about the bankruptcys being verified through XXXX and the info needs to be deleted immediately. They refused to delete the information stating I needed to send them a document from the court stating I did not file for bankrupcy. I told them that I am not obligated to do so. I told them they have false and damaging information on my credit file and it needs to be deleted immediately, I also stated I need a new credit report showing the deletions. At this point the fact that they lied about the verification and refuse to remove the information, it is a violation of the Fair Credit Act and I am going too sue due to the amount of denile of credit I have been experiencing in the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
XX/XX/XXXX USAA CONFIRMS {$340.00} New Purchases XX/XX/XXXX ARE VALID CREDIT REVERSALS OF CREDITS DEPOSITED. see Fraud Letters XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXXattatched. SEE Attatched XX/XX/XXXX STATEMENT CREDITS are {$210.00} XXXX {$120.00} XXXX   XXXX.Total CREDITS PERIOD {$340.00}.!!! 
( ** KINDLY NOTE XXXX XXXX {$120.00} IS NOT INCLUDED IN {$470.00} FRAUD CLAIM DATE XX/XX/XXXX I REPORTED. ** ) USAA CREDITS ARE INTERNAL ILLUSIONS THEY DO NOT EXSIST. 
There are NO USAA CREDITS TO STEAL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi, My name is XXXX XXXX and across all 3 bureaus under my Chase card there is an issue with late payments that is being reflected across all 3 bureaus. I am trying to get an mortgage loan where there is 6 late payments reflecting on my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX varying from 30 days to up to 90 days late. I have reached out to chase on multiple occasions regarding this in which they never helped to help me fix this and as a results closed my account at the time. Please see the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: NV
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 my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX  XXXX Balance : {$200.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-08-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-03-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ok so look! Im tired of using the codes and pointing the codes out to the cfpb and these credit bureaus! YOU GUYS DO NOT LISTEN AND YOU GUYS REFUSE TO DO THE RIGHT THING!! I HAVE PROOF! I HAVE SOLID PROOF COLD HARD SOLID PROOF!!! WHO EVER READS THIS PLEASE PAY ATTENTION TO MY ATTACHMENT! EXPERIAN!! XXXX AND XXXX DELETED THIS ACCOUNT FROM MY REPORT!! THEY PUT IT BACK ON AND DID NOT FOLLOW THE PROPER PROCEDURE NO ONE NEVER SENT ME A REINSERTION NOTICE OR ANYTHING RELATED!!! EXPERIAN TOOK THIS ACCOUNT OFF THEY DID THEY THEY DID!!!!!! THEN THEY PUT IT BACK ON!!!! FOR NO REASON THEY NEVER SENT ME A LETTER STATING WHY!!! Yes Im frustrated and yes Im writing in all caps!!!! IM TIRED THESE COMPANIES KEEP THINKING THEY CAN XXXX US!! No not anymore!! Experian removed this account then put it back on and they CAN NOT DO THAT WITH OUT THE PROPER PROCEDURE!!! where is the letter Experian!????? Huh where is the reinsertion letter???? YOU NEVER SENT ONE!! Please remove the XXXX ACCOUNT FROM MY CREDIT REPORT! Please do not respond with be specific! I AM BEING CLEAR!! Please delete the XXXX ACCOUNT. I have attached proof that you deleted it and that you keep putting it back on! Delete this please! Do not respond with this item has been verified. It was deleted already and you reinserted it and you NEVER SENT ME A LETTER OF REINSERTION!! Deletion is admission of guilt and reinsertion requires a process to be followed according to the U.S.C! Please remove this and stop defaming my character! I am asking nicely. I will file suit for defamation of character!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2022-03-23
Company: Sentry Recovery and Collections, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is regard to false inaccurate erroneous information on my credit report. Sentry Recovery has been reporting this false information on my credit account since XX/XX/2018. I reviewed my credit report and noticed the amount that they claim is owed has changed several times from {$1100.00} to current {$1300.00}. I have been in contact with the original creditor and they are not able to provide me with any records on why any balance is on my account or the reason a balance is going up. 
This debt is not mine. Also I did not receive any notification of any debt being added to my credit profile which from my understanding is illegal. 

I have spoken with representatives at Sentry recovery on several different occasions due to them harassing me over this alleged debt. They have not been able to provide me with any breakdown of fees, deposits or pictures of any alleged claims for an account. I have spoke with XXXX XXXX, XXXX and as well XXXX XXXX just to name a few. 
Each call ends with them either hanging up due to them not being able to verify any info or long wait times. These communications have been made over the course of three years too long.If they are not able to provide these things then they should not be legally able to collect. 

I have disputed this information with the major credit companies and this false account has been removed from each except XXXX. They claim this is a valid account but are not able to provide with any validation such as records, price breakdown or fees. 

This account is affecting me in many ways. My next steps is a lawsuit for deformation and reporting false information. Please remove Sentry Recovery Collections from my accounts.

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 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have been contacting them since XXXX of 2019. Still unable to show me any proof of consent. Im unable to continue my studies.

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 2022-12-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$3700.00} ; XXXX XXXXXXXX Balance : {$200.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Received a Summary administration from the state of Florida regarding my mother 's estate, a Well 's Fargo account included. WF refused to allow me to close the account and refused to honor a sister-state estate administration in the state of California. A letter to legal department stating the laws of the state of California regarding this situation was refused without basis and the bank still demanded ancillary jurisdiction and/or amendment on an already closed case.

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