BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
During the month of XXXX I had a failed payment for my credit card through Discover Card. When attempting to sign into my online account I was denied access and immediately called customer service to find out why. I was informed that I needed to send in documentation requested by the fraud department on XX/XX/2020. I was unable to make a payment until then. I faxed all requested documentation in asap. While waiting for a response or update I called about my payment on XX/XX/XXXX and was told that it would be deferred without penalty or late credit reporting. I still hadn't received any notification about my sent in documentation. When attempting to make a payment for the month of XXXX I was told that my card had been closed without an explanation. One week later I received a credit monitoring notification that Discover reported my account as 30 days late, although I was told that the payment was deferred. I've made multiple phone calls without explanation or reason as what is going on with my account or its closure. I had my brother, an authorized account user, call with me and finally received a frustrating explanation. Discover explained that my account was closed because some of my documents that I faxed were illegible. They stated that they sent a letter to my home on XX/XX/2020, explaining that the documents needed to be resent or the account would be closed. I never received this notice or any other correspondence regarding the matter. I also never received an account closure letter that Discover says was sent on XX/XX/2020. To make matters worse although I did not have online access to my account nor was able to make a phone payment, I received another notice today that my account is 60 days past due. Discover has caused the credit score of my brother and myself drop significantly with lack of information and communication. This has impacted my brother drastically, as he is an XXXX service member currently stationed in XXXX and is 30 days away from returning to the US and scheduled to close on his home mortgage. As a XXXX XXXX working multiple jobs as well as dealing with family XXXX issues this has added a heavily undue amount of stress and terribly blemished my otherwise unblemished credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: TX
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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-06
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: MD
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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: WELLS FARGO & COMPANY
State: CT
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 have these accounts that are not mine and i want them to be removed. 



XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft WELLS FARGO Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.

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 2023-09-15
Company: EQUIFAX, INC.
State: GA
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX Balance Owed : {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 these reporting accounts 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 XXXXXXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX  : {$30000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$300.00} XXXX  XXXX  XXXX XXXX XXXX : {$30000.00} XXXX XXXX XXXX  : {$0.00} XXXX/XXXX  XXXX XXXX  : {$300.00} XXXX XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX XXXX : {$0.00}

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 2021-11-08
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with CREDITACPT XXXX Balance Owed : {$12000.00}. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.

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 2023-10-18
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: Investigation took more than 30 days

Complaint:
I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED AND INQUIRIES, AND WAS NOT NOTIFIED OF INCORRECT INFO ON MY REPORT. 

I MAILED OFF LETTERS ON XX/XX/2023

Company response to consumer: Closed with non-monetary relief
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:
XXXX, Equifax, XXXX, and XXXX Credit Card, reported consumers private non-public information without lawful disclosures and authorization from consumer which violates consumer law. All four entities listed above have been notified and failed to comply with consumer laws made by Congress. Consumer has been denied an extension of credit four times and damages have incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: OH
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-02-10
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
on XX/XX/20 I noticed someone took money from my bank account. I contacted my bank and found that it came from CashApp. However, I had not used cash app. When I looked into my Cash app account I saw that monies was missing from my bank account and XXXX XXXX. It appeared there were numerous failed transactions and numerous transactions that were processed. I immediately tried to contact Cash app. But to no avail they would send me the same email over and over again. As I continued to look into this fraudulent activity I found that my phone number was changed as well. I then contacted the person but got no answer. I even tried to send a request to them to send my money back. Cash App has not returned my money that was stolen from XXXX XXXX. Also, my bank refunded me the money that was stolen from them. However, Cash app then put that money as a negative in my account as if I owe them. I have tried to file a report with my local authorities and they told me that they have tried to contact Cash App for information over the years and have received no response. This company is stealing from people and not returning their money. I would like to file a class action law suit against them to stop these dishonest practices. Someone needs to hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: OH
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-02
Company: LendUp Loans LLC
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:
I noticed that this company is reporting a bad debt under my Social Security number to XXXX XXXX and XXXX. I wrote a letter via certified mail formally disputing the account. Per FCRA, The creditor must validate and provide me with proof that the debt is truly mine. Valid proof should include something like a contract signed by me. The FCRA gives the creditor 30 Calander days to respond and provide me with such proof. They have not. The only response I received was a letter stating they would update any inaccuracies with the credit bureaus in 45 days. This is unacceptable and a major infringement on my rights as well as Federal laws that have been broken. Furthermore, no changes whatsoever have been made. The debt is still being reported under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NJ
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
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:
On XX/XX/2020, consumer open an online dispute with Equifax in reference to XXXX XXXX XXXX, an collection account. XXXX submitted a written letter requesting an explanation with three concerns. ( 1 ) Why is XXXX XXXX listed as a " closed '' account on credit file when XXXX XXXX XXXX is a collection agency and not a creditor? ( 2 ) Why is XXXX XXXX still reporting on credit report when Equifax nor the collection agency has properly validated such debt in according to the Fair Credit Law after several attempts made by consumer requesting verification of such debt. ( 3 ) Why would Equifax still report an unverifiable debt when XXXX  and XXXX  had conducted investigation against XXXX XXXX XXXX for the same such debt and their investigation resulted in a deletion/removal of consumer 's credit file? 
As of XXXX XXXX, XXXX consumer HAS NOT received dispute results from Equifax . On XXXX, XXXX, consumer received an alert from XXXX stating that consumer 's credit score dropped by XXXX points due to the re-investigation of the XXXX account conducted by Equifax. Per XXXX, Equifax updated the status of the above-referenced account as " At least 120 days or more than 4 payment past due. '' THIS IS AN INCORRECT STATMENT!! CONSUMER HAS NEVER MADE ANY PAYMENTS TO PORTFOLIO! THE FACT IS CONSUMER DOES NOT HAVE ANY OBLIGATIONS TO PORTFOLIO. WHERE IS EQUIFAX GETTING THIS INFORMATION FROM? WHERE IS THE VERIFICATION? HOW DID EQUIFAX COME UP WITH THESE CONCLUSION? Why did consumer 's credit score drop while according to Equifax the investigation is on-going? Equifax has blatantly ignored the simple request consumer has requested regarding the information on credit file. Equifax nor XXXX XXXX XXXX can legally and legitimately supply consumer with proper documentation for continuous reporting of such account. Consumer is requesting for Equifax to be investigated for violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: IL
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:
I am writing to file a formal complaint regarding a dispute I raised regarding an account on my credit report. Despite my efforts to rectify the issue, the account has been inaccurately verified by the reporting agency. I am seeking your assistance in rectifying this matter. 

Account Information : XXXX XXXX  XXXX XXXX Experian Under the provisions of 15 USC 1681 a2 and 15 USC 1681 s2, it is my understanding that I have the right to request the information that the reporting agency received from the creditor in response to my dispute. However, when I requested this information from the reporting agency, they failed to provide it.

I firmly believe that the account in question has been incorrectly verified. I respectfully request that you conduct a thorough investigation into this dispute and take appropriate action to ensure the accuracy of my credit report.

I understand that it is within your authority to compel the reporting agency to provide the information they received from the creditor as part of their verification process. This information is crucial in demonstrating the accuracy or inaccuracy of the reported 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 explanation
Consumer complaint received 2022-04-01
Company: Nelnet, Inc.
State: NY
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 am a parent ( age XXXX ) who took out student loans through Nelnet ( servicer ) These loans were taken out in 2004 at the amount of XXXX $ they are now XXXX 
This servicer has continually provided the most inaccurate and wrong information throughout the years.. I made years of payments.. I was never informed that these particular type of loans were discontinued several years ago.. Each time I called in they told me to apply for Income based repayment, along with several other programs that I did not qualify for ... years of wasted wrong information. 
These loans are also comaker loans with my wife.. which makes it worse and They do not allow me to consolidate the loans.. 
I have requested this several times..as years have passed. 
They accrue interest of XXXX a month AS a senior citizen the fact that no help is offered in any way... is very worrisome to me and my health.. 
The representatives they have have steered me into a black hole ... .in which I can never get out I need help in this matter Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: MA
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief