BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
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: Account information incorrect

Complaint:
Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present.

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference.

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter.

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, [ Your Name ] Account Information : Original Creditor : XXXX XXXX XXXX Balance Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone Number : ( XXXX ) 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 2023-10-25
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Consumer Financial Protection Bureau, I writing with a complaint on all three Credit Bureaus : XXXX, XXXX and Equifax. 

I am an owner within XXXX XXXX XXXX XXXX. I disputed a credit card charge with XXXX XXXX XXXX around XX/XX/2023. Based on this open dispute XXXX XXXX put the following comment two different times on my credit bureau reports : Account information disputed by consumer, meets Fair Credit Reporting Act ( FCRA ) requirements. This statement caused my XXXX credit score to drop XXXX points from XXXX to XXXX. Additionally, the Equifax and XXXX credit scores dropped between XXXX and XXXX points from XXXX to XXXX to XXXX. 

I disputed the charge on my credit card account because I didn't receive the services I paid for from the merchant, and its my right to dispute the charge. However, based on the statement XXXX XXXX put on my credit bureau file it caused my credit score to drop drastically which was punitive to me. The statement XXXX XXXX put on the account should not have caused my credit score to decrease at all. 

I contacted each Credit Bureau and they removed the statement. My credit scores increased ; however, they did not increase by the amounts they decreased. I mentioned that XXXX XXXX put this statement on my account twice so again my score is back down to XXXX with XXXX and in the mid XXXX with the other two bureaus. 

I want to know why me disputing a charge is punitive with the credit bureaus. I believe this practice should be looked into. Your assistance is appreciated. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: KEYCORP
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
Upon further review it has come to my attention that I have been victimized by identity theft. I never authorized these transactions and what is reflecting on my end is inaccurate. Please contact the vendors and investigate such occurrence. I am requesting that collection and reporting efforts cease expeditiously.In addition, as a part of your investigation, please send the names, business address and phone numbers of those who made unauthorized purchases so i may contact them directly! I sent them a copy of the police report from the XXXX XXXX Sheriffs Office in conjunction with my dispute letter and lastly my identification theft report with the Federal Trade Commission. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no financial institution/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 2023-01-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I never signed up for this reoccurring package on the Experian App. I have dealt with this 2 months in a row and they need to cancel it- it is going to over draw my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax has provided reports to my creditors stating that my credit file includes serious delinquency, judgment or collections activities. I ordered my file from them on XX/XX/XXXX and confirmed no such info was present. Thereafter I was advised by reports from XXXX and XXXX that reports received on XX/XX/XXXX and XX/XX/XXXX still reflect that negative reporting. I have called them and they referred me to contact those creditors to dispute. On XX/XX/XXXX I requested a copy of my Equifax score. It notes code 202 one or more major derogatory events on my file. Today I worked with a representative at Equifax for an hour and a half before he disconnected me. He continued to try and assert that the note must reflect credit utilization. I advised that it didn't because that is referenced in code 178. He found no negative information on my file and disconnected the call when I requested a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: V.I.P. MORTGAGE, INC.
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My wife and I on XX/XX/XXXX started looking into purchasing a new build with V.I.P mortgage company along with XXXX XXXX for property XXXX XXXX XXXX in Arizona XXXX loan # XXXX we put XXXX down as an XXXX payment but now that the builders and the mortgage company have blamed us and closed on our deal without our consent and not refunding our XXXX deposit over the course of these past 7 months this process was a nightmare major financial disaster that has caused devastating distress upon our families financial emotional & psychological quality of living so we are seeking remedy of our proper compensation for a full refund for these negative damages inconvenience and experience as a first time home buyers!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I called Chase bank two days ago and they told me they was closing my checking account I have had with them for two In a half years and I have been in good standards with them and I asked why they wouldnt give me a reason and just said they no longer wanted to do business with me now I get my unemployment payments every two weeks direct deposited in my account and they will not let me get my money I contacted unemployment and they said they couldnt reverse it because it was sent to the bank all I want is my money Im behind on bills do to the covid19 this is so unfair and Im one of many they are doing this too

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Sunday, XX/XX/XXXX I noticed several fraudulent charges were made to my account. I called my bank, First Horizon, locked my card, and then filed a fraud charge with my bank. They said it would take 5-10 business days to respond. On XX/XX/XXXX I received an email saying " XXXX XXXX, Your claim is completed and except for 1 charge, your claim was declined. All charges ( except the 1 ) were processed with the actual card and chip was used. Charges processed with chip can not be approved as fraud. The following charge was approved and credit has been provided.XXXX XXXX XXXX  '' I have provided a list of the fraudulent charges that were made on my account. I called on XX/XX/XXXX at XXXX XXXX and they said that someone must have stolen my card and there was nothing they could do. I did not make any of the charges, I do not live in or near North Carolina, but they said since they used my chip there was nothing they could do. 

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 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 2022-12-31
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 status incorrect

Complaint:
I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 1666B A creditor may not treat a payment on a credit account under a open end consumer credit plan as late for any purpose. 
In I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore past due reportings must be removed immediately. 

XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX reporting past due XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX reporting past due XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX reporting past due Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX XXXX XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX  # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX  # XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of EdXXXX XXXX XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of EdXXXX # XXXX & XX/XX/XXXX reporting past due Dept of EdXXXX XXXX XXXX reporting past due Dept of Ed/XXXX  # XXXX reporting past due Dept of EdXXXX # XXXX reporting past due XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XX/XX/XXXX reporting past due Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report. 
Please respond promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law. 

Thank You for you time and attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: WELLS FARGO & COMPANY
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:
WELLS FARGO DEALER SVC, Account # XXXX is reporting inaccurate. 
information FCRA Law states all information must be accurate with all credit bureaus. 

inaccuracies 1.Date Last Active 2.Payment Status

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: CA
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:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: John C. Heath, Attorney at Law, PLLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX of XXXX  I initiated the services of Lexington Law Firm, Credit Repair Company, to challenge a 'late payment ' blemish on my credit report. Lexington Law purposefully implements stall tactics in order to charge the client over long periods of time. In the case details, the case sometimes stalls for months at a time in a status they call 'analyzing response '. This is their verbiage and tactic for stalling the case in order to lapse time in order to apply more charges to the client. I did ask for a reembursement of the money to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: FL
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:
XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX Inquiry XXXX XX/XX/XXXX ( XXXX didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) 6XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX XXXX XXXXnquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these XXXX and XXXX am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX XXXX  XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: CA
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 am submitting this complaint to request the removal of several fraudulent inquiries from my credit reports with the Credit Bureaus Experian, XXXX, and XXXX. If you require any further information, please do not hesitate to contact me. The inquiries in question are as follows : EXPERIAN : XXXX XXXX XXXX EXPERIAN 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 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 2022-01-19
Company: Aldous & Associates, PLLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received 2 pieces of mail to collect a debt from a person who has never lived at my residence. I bought my house from a man who lived alone. I have lived in my house for 3 years, and have not joined a gym while living in Utah. It was clearly sent in error. 

The person on the complaint is female. 

I called to rectify it the company said to leave a voice mail, the voicemail was full. Also they had no email. 

I found this extremely suspicious. Additionally I know that XXXX fitness uses a place called XXXX XXXX for their collections after googling. 

I also don't want them to touch my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
In XXXX of XXXX after checking my credit report, I discovered an account in collections on my XXXX report that was fraudulently created. The account was reported by Fair Collections and Outsourcing with the original debt by XXXX XXXX XXXX. I disputed the account but XXXX is refusing to removed it as others have done. I previously reported identity theft to the FTC in XXXX XXXX XXXX and disputed several accounts, which were subsequently removed. Also at that time, I noticed an address that I had never lived at. I contacted the apartment management and inquired about any possible account. I was provided a copy of a lease that was delinquent and the apartment was vacated some months prior. I communicated that I was a victim of identity theft and inquired how any information was verified before the lease was signed. XXXX XXXX XXXX stated that there was NO IN-PERSON VERIFICATION of the identity of any individual on the lease. I communicated that I will not accept responsibility for any delinquency and I will seek remedy if they pursued a debt reporting. XXXX XXXX XXXX could have taken very simple steps to prevent this fraudulent account from being created! XXXX XXXX XXXX XXXX could have required an in-person visit to verify identity. Second, XXXX XXXX XXXX could have verified the signature on the ID provided with the lease signature. Third, XXXX XXXX XXXX could have required each applicant to supply different contact numbers instead of the same. Lastly, XXXX XXXX XXXX could simple use more due diligence and common sense by requiring more than XXXX photo ID and do additional reference verification before creating a lease. XXXX XXXX XXXX is complicit in the creation of the fraudulent lease by not having good business practices.

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