BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-31
Company: Experian Information Solutions Inc.
State: CA
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:
XX/XX/2013 I declared Chapter XXXX Bankruptcy. I was up to date on all payments until I submitted the Bankruptcy. 8 of the companies note derogatory reports that my payments were late. My attorney advised me to have this amended as the derogatory remarks of late payments were in error. I went to each credit bureau, XXXX, Experian and XXXX. Disputed all 8 accounts, however the summaries that the credit bureaus reflect still show the 8 account late payments. I contacted them and advise that is correct even though the actual creditors amended there records.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: IL
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'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: OH
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:
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX ACCOUNT NUMBER : XXXX, Account name : XXXX XXXX ACCOUNT NUMBER : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 

I NEED THIS DELETED FROM MY CREDIT REPORT AS WELL AS THE HARD INQUIRIES BELOW XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-11
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I applied for a credit card at key bank and was discriminated.I was told my score was XXXX on XXXXI check my XXXX credit report my score was XXXXXXXX XXXX employee told me your score is not all that it's only XXXX downplaying my score as if it's bad.This happen at XXXXXXXX XXXX XXXXXXXX XXXX spoke to XXXX They lied and said I have auto loan which is paid for.I told them not to open account if you not going to give me high limit.My credit score went down because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XXXX I contacted usaa to open an checking account due to my deceased XXXX XXXX father, and XXXX children being in the XXXX XXXX XXXX  and having an account with them. I submitted my info to open a checking account and was awaiting the opening of my account. A month went by and I heard nothing. I contacted them and they claimed to not have received my ID. I have proof it was successfully uploaded at the same time I requested the account in which they didn't want so they advised me to send a copy through the mail or try to upload again and once received they can proceed with opening my account. I informed them it took 1hour and 23 minutes to upload my ID because of their system so I would send via mail. They gave me the address and I tirelessly went to XXXX to copy my ID and then USPS to send via mail. I didn't hear anything again after a week or so so I contacted them and was transferred over and over again and told they didn't receive it and then after another transfer that they did receive it days ago but I need to resend my ID in color form. I was again reassured that once they received it I could finish opening up my account. I again went to XXXX and then USPS and mailed it. Today-XX/XX/23- 2 months later I contacted then to see if they received it and was told " we decided to end business with you have a nice day ''. They gave no reason nor explained. They claim to have needed the copy of my ID to verify its really me. I'm XXXX and was not supposed to be driving nor on my leg. I sustained a new Injury which made it almost impossible for me to have gone back n forth to send my personal information through the mail. I'm in pain 24/7 and they totally had no consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX - XXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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.

Equifax Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate and missing data. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Over {$2200.00} was " defrauded '' from my account when I received an phone call from an authorized Bank of America call XX/XX/2022. I was convinced by the CSA to move my assets to another account because I had received another authorized text from BOA that I was going to have a XXXX transfer of {$3500.00} that same night. I deleted that text and received another XX/XX/2022. I was duped, scammed, whatever you'd like to call it. I called the real Bank of America and got no results. As a matter of fact, I was denied so fast it was insulting. Then I received a phone call from their escalations department and was told that clients like myself had been getting " defrauded '' consistently. And BOA, could do nothing to stop it. They found where the money went and closed the account, allegedly. Some fictitious account that belonged to XXXX XXXX. Another bank that has been in hot water alongside BOA. I need help resolving this matter and want whoever was responsible held accountable.

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 2022-07-22
Company: WELLS FARGO & COMPANY
State: SC
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:
On XX/XX/2022, a check was processed for {$8000.00} by XXXX XXXX XXXX on a former checking account check # XXXX that has been closed for over 14 years. I have reported it to my local police and it is still under investigation. I just received a notice that another check in the amount of {$1000.00} for XXXX XXXX check # XXXX by a debt collector. I contacted Wells Fargo in person, over the phone and via email informing them that there is a check that was fraudulently processed and my former name 's signature was forged. I only know of these two checks however, the thieves have multiple books of checks that were stolen from my former home. My request is to flag the stolen checks that were drawn on XXXX XXXX XXXX. at each bank and processing center. If the check is received at a branch, an email can be sent to every branch or processing center to alert and possibly close the tracks on the thieves that are stealing from the small businesses that choose to not be more proactive by using a check verification system. My father and countless others have been victimized by this type of checking fraud. A simple email will alert the branches and merchants that this check should not be processed. I don't know how many more checks the criminals will try to process before the are apprehended. We need immediate help. Will 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 2018-03-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made payment arrangements w IQ data international, inc XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
My concern was when I realized I initially owed XXXX and now I owe XXXX.???? I've paid them XXXX, which btw wasn't easy for me but I made sacrifices. I called the company. After about 50 telephone " offers '', the recording tells me " we are sorry, the new number is ..., ''. I called new number. More offers. Then without identifying themselves I got " please say residence, business or government ".

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have been a victim of identity theft which I discovered around XX/XX/. I have notified all consumer reporting agencies with a FTC Identity theft report which listed all the accounts added to my report without my knowledge. Some of the items were removed and some were not. The situation has caused my own banking privileges to be dramatically downgraded and created a storm of financial complications, unknown collection accounts and debt which is now attached to my name. The consumer reporting agencies are not exactly helping and I am unsure where to turn. I was told that it can take another 30 days for the creditors to respond to my disputed accounts on top of the previous 60 days which is unacceptable and even uncertain. I am completely blinded by the situation and unsure how to remedy the problem. Please help.

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 2023-08-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX  XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX  XXXX Account name : XXXX Account # XXXX Account name : XXXX, XXXX. XXXX Account # XXXX  XXXX Account name : XXXX XXXX XXXX Account # XXXX XXXX  Account name : XXXX XXXX XXXX Account # XXXX  XXXX Account name : XXXX XXXX XXXXXXXX  Account # XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX  Account # XXXX  XXXX Account name : XXXXXXXX XXXX XXXX Account XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

1.XXXX  has 5 different account on my credit file for the same loan. 

2. XXXX is reporting incorrect amounts, dates, and account numbers are showing different on each report. I have not received any documentation in regards to how this account was verified and what method was used. 

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 2023-08-25
Company: EQUIFAX, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 non-monetary relief
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX  I contacted the credit bureau regarding some accounts that i noticed on my credit report that are open fraudulently. I spoke to a person named XXXX in the fraud department who told me i need to get an FTC report. I sent it through the mail on XX/XX/. I gave it 10 days before to give it some time for it to be delieverd. On XX/XX/XXXX i called and I was told that they received it and its being processed. I still haven't seen any updates on my credit report regarding these 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 2023-08-25
Company: EQUIFAX, INC.
State: FL
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a notice of assignment from Resurgent Capital stating that LVNV is now the current owner of the alleged debt. I reached out to them a couple weeks ago after calling XXXX XXXX XXXX  and finding this information out. I have yet to receive a validation or dispute option. In LVNV initial letter they said the communication was from a debt collector. However they also mentioned this wasnt an attempt to collect. That notice was very confusing and deceptive because it did not include their next steps or what I needed to do in order to validate this debt. They also mailed a correspondence to an address that was giving to them without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-07-22
Company: EQUIFAX, INC.
State: GA
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:
I've sent XXXX, Equifax, and XXXX multiply letters ( XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 ) about removing accounts that are reporting inaccurate information on my reports. The Credit Bureaus stated my accounts were properly investigated and " Verified as Accurate '', but how is that possible if the Open Date, XXXX, Date Last Reported, etc. is still inaccurate. I showed them factual disputes on the credit reports of the inaccuracies and they still refuse to remove these accounts. THIS IS GROUND FOR REMOVAL, they also violated my rights under 15 USC 1681 Accounts are listed below : XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX 15 USC 1681 Sect 602 A,,, States I have the right to privacy 15 USC 1681 Sect 604 a ( 2 ),,, A consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1681n ( A ) ( I ),,, Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: LA
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:
I recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with Equifax through arbitration.

Company response to consumer: Closed with explanation