BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. The following account is not mine XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my 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
Consumer complaint received 2021-04-27
Company: Santander Consumer USA Holdings Inc.
State: MO
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 account has been charge off. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, You have claimed a credit insurance over this account, you do not have any loss, clearly this is a violation of the law to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay you, I am requesting you to sent the wet ink contract bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Regarding the accounts mentioned below, I would like to bring to your attention that it is being reported as a late payment accounts. However, I have reached out to the creditors regarding the validity of the debt, but they did not provide any proof. Therefore, I kindly request you to provide proof of the accounts being late and delete the negative payment status on this account. I understand that errors can occur, but incorrect details on my credit report can significantly impact my ability to own a home and have a negative impact on my credit score. I expect an updated credit report reflecting these changes within thirty ( 30 ) days. Dept Of EdXXXX XXXX, Dept Of EdXXXX XXXX XXXX Dept Of Ed/XXXX XXXX XXXX Dept Of EdXXXX XXXX, and Dept Of EdXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Equifax this is your NOTICE OF VIOLATIONS Under 15 U.S. code 1681b- 15 USC 6802 ( b ) and ( c ). I was never provided any notification on paper as to whether or not I wanted the transaction reported. The company had an obligation to fulfill and failed to do so. INQUIRIES 1. XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX All of these accounts are third party debt collector they do not have a enforceable contract 1.XXXX XXXX XXXX  2 . XXXX 3. XXXX XXXX 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18 U.S. Code 8 - Obligation or other security of the UNITED STATES The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes , Federal Reserve bank notes , coupons, United States notes , Treasury notes , gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps . THE DOCUMENTS IN QUESTION ARE SUBJECT TO THE PRIVACY ACT OF 1974 Contents shall not be disclosed, discussed, or shared with individuals unless they have a direct need-to-know in the performance of their official duties. Deliver this/these document ( s ) directly to the intended recipient. THEY WERE NOT TO BE drop off with a third-party. To be used on all documents containing personal information The document ( s ) contained my personal or privileged information and should have been treated as For Official Use Only. Unauthorized disclosure of this information may result in CIVIL and CRIMINAL penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S. C 1681 Section 602 A. States I have a right to privacy 15 U.S. C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-02-01
Company: Experian Information Solutions Inc.
State: IL
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:
2020 i discovered a fraudulent bank loan account on my Experian credit report. I've been disputing this same account 2 years now till the present day. I've sent in countless police reports after police reports dispute after dispute. i had Experian to put a fraudulent alert on my credit file. after these exhausting couple years of disputing with Experian credit bureau gives me no hope to resolve this issue with XXXX XXXX XXXXl lending intuition reporting a fraudulent account to my Experian credit report. i pray this complaint gives me a great opportunity to see this fraudulent account removed. Experian out of 2 years never mailed me the proof i requested in the 30 days to show me that this fraudulent account belonged to me.

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 2021-04-27
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent out a letter regarding in accurate and unknown things on my credit report to this day over 38 days later and I havent got a response yet which is ridiculous. I felt in my heart the last few days that Im now being taken advantage of and being ignored of my disputes. Section 611 ( a ), its clearly stating that a failure to investigate these items within 30 days gives a reason to immediate remove those items from my credit report it has been over 38 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 ALL have caused me smh. My information was also impacted by the Equifax data breach and may have got into the hands of a bad person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In review of my Experian credit report I noticed that there are three ( 3 ) accounts that are reporting inaccurate information. 

1 ) XXXX - Account is reporting closed ; however there are three ( 3 ) late payments reporting in XXXX and one ( 1 ) late payment in XXXX. I have never been late with this account and I contacted the original creditor and was advised to contact the credit bureau to get this information corrected. ( See Attached ) 2 ) XXXX XXXX The account " Status '' is reporting as " Legally paid in full for less than the full balance '' along with the " Comments ''. This account was paid in full and creditor stated that they reported this to the credit bureaus. I was advised by the creditor to contact the credit bureaus to correct this matter. ( See Attached ) 3 ) XXXX XXXX- this account is showing a late payment listed in XX/XX/XXXX, I was never late in paying. When I contacted the original creditor, I was told to contact the credit bureau to correct this incorrect information. ( See attached ) I would like for Experian to review these inaccurate reporting information and make the necessary corrections.

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 2021-04-02
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 contacted all three bureau 's, XXXX XXXX, and Experian previously about disputes I submitted, but to no avail they haven't corrected the issue. These accounts have been on my credit report for more than 6 months in a dispute status and I contacted all three bureau 's multiple times, the last being three days ago and they all assured me that these accounts would be removed or the remarks would be removed in 24 to 48 hours and nothing has been rectified.

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 2023-03-29
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 I received an alert from Experian that an inquiry on my credit report was ran through XXXX in the state of Ohio. I have no connection or relation or live in the state of Ohio. I filed a dispute with Experian and had a fraud alert placed on my account. I was advised to submit this next action. Thank 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 non-monetary relief
Consumer complaint received 2021-04-26
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: MI
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 XXXX and equifax are reporting an XXXX account to my report that is against fcra law. I was never given the option to opt out, never given charge off form 1099 and also have no contract with these people. This is a violation of 15 usc 1681i and 15 usc 1681s2b along with several other violations of 15 usc 6802 and 15 usc 1692g, 15 usc 1692e and 15 usc 1692f. If this illegal disclosure of fraudulent information is not removed legal action is imminent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have contacted chase who has directed me to XXXX and Transunion. XXXX and Transunion who keeps directing me back to chase. I am an authorized user on this account and it use to show on my XXXX and Transunion but it seems they have removed the trade line in correctly. I need it to put back on my XXXX report and Transunion. I am getting no where with anyone. Below is the beginning of the account number. 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 explanation
Consumer complaint received 2022-03-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had a total of XXXX dollars stolen from my account through a fake check scam and I reported it the day the majority of the fund was being transferred ( XX/XX/2021 ) it occurred through XXXX. Wells Fargo provides me copy and paste responses which proves that they did not investigate the incident thoroughly

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 2023-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A person XXXX XXXX, XXXX. I had done business with in the past had reached out to me to send him {$3000.00} to get {$4000.00} back in 2 weeks. He requested me to XXXX it to him and he never returned the monies back and he solicits other people to XXXX him for some real estate investment and never return the money.

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 2021-04-26
Company: JPMORGAN CHASE & CO.
State: FL
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:
Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Chase via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Chase has not been able to verify any of the information reported, they simply send letters with a supposed payment amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I miss three payments with navient student loans. And they posted 30 missed payments. My account came off of forbearance and I was unaware to me. After realizing the three missed payments called in and my account was placed back in forbearance. I was told it was retroactive forbearance but it was just forbearance. and they refused to remove the 30 missed payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Back in XXXX of this year, Bank of America began charging me fees of {$25.00} a month for my " advantage with tiered interest checking '' account. I have had this account since XXXX and never paid fees, it existed prior to their preferred rewards program. When I called to resolve this issue, the representative said she would be able to reverse the fees. I immediately saw a {$50.00} credit, but she said she had made an error on the third fee, but had resubmitted it and I should see it process in 2-3 business days. 


Their explanation for the appearance of the fees was that my average daily balance had dipped below the $ XXXX required for the preferred rewards program and without that, I no longer qualified for waiving the maintenance fee. 


I questioned why my account would have a maintenance fee for falling below $ XXXX when the terms for an " advantage with tiered interest checking '' it states : " {$5000.00} or more average daily balance in checking or linked Regular Savings '' This particular checking account does not often have $ XXXX in it, but I have several other accounts at BofA and combined, they are always well above that threshold. 


I made a followup call inquiring about the remaining {$25.00} that was not refunded and eventually spoke to a supervisor who assured me they would review the phone transcript and refund the {$25.00} if the representative had indeed promised I would get the refund, this was XX/XX/XXXX. 


Today, I was checking to see if there was any change in the account and see that the account was changed from " advantage tiered checking '' to " advantage relationship banking ''. This was not a change that was discussed with me and I did not authorize it. This is an account type that is no longer available and I am upset that it was changed without my consent because the required daily balance to avoid fees for " relationship banking '' is double ( $ XXXX ) that required for " advantage tiered checking '' ( $ XXXX ). 


In addition, they are telling me that they " reviewed '' the case and will not be refunding the {$25.00} fee from XXXX, despite the supervisor on XXXX and the rep on XX/XX/XXXX telling me they would refund it. The supervisor also told me that in his system, my account has been advantage relationship banking as far back as XXXX, which is completely false. I downloaded my three most recent statements that show " advantage tiered checking '' as account type. 


link to their fees page : https : //www.bankofamerica.com/deposits/account-fees/ I uploaded screenshots showing the change in my account type compared to what appeared on my statements.

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