BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: SC
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:
Dear Equifax, I am writing to dispute the accuracy and completeness of certain hard inquiries listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into the following inquiries : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Inquiry Date : XX/XX/2023 XXXX XXXX Inquiry Date : XX/XX/2023 I believe that these inquiries are inaccurate and/or incomplete. As a consumer, I have the right to ensure the information contained in my credit report is fair, accurate, and substantiated. I am requesting your assistance in verifying the accuracy and completeness of the inquiry history associated by conducting a re-investigation. 

Please provide the following information : Verification of the purpose of each inquiry. 
Documentation substantiating that I provided consent for each inquiry. 
Verification of the date and time of each inquiry. 
Confirmation that the information reported is complete and accurate. 

I understand that you are obligated under the FCRA to conduct a reasonable investigation within 30 days of receiving this dispute. I kindly request that you notify me in writing of the results of your investigation, including any changes made to my credit report as a result of the inquiry verification. 

Additionally, I am attaching a copy of my identification for your reference. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and appreciate your cooperation in ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: Experian Information Solutions 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:
I am trying to buy a house, so I pulled my credit report and noticed that I have a late payment reported by XXXX XXXX XX/XX/XXXX. I was really having some personal issues as I am a victim of XXXX XXXX. I reached out to the company, and they were unable to help me with this matter. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. 

I send all payments in a timely manner, not sure why the payments were not recorded on my account by the due date. I tried to resolve this issue with the company, but they refuse to help although as a consumer I feel my rights were violated.

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 2024-01-24
Company: Experian Information Solutions Inc.
State: MO
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:
Notification for the 5th time today experian says another dispute is ready to view, LIE LIE LIE LIE LIE LIE LIE LIE LIE

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 2024-01-24
Company: Experian Information Solutions Inc.
State: MO
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:
Experian just said they arr working on the issue STILL but they really didn't but just received a phone call from an Experian phone number and the person left a message and can barely speak XXXX AND THIS NON ENGLISH SPEAKING PERSON WANTS MY FULL SOCIAL SECURITY NUMBER NOT A CHANCE SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM

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 2024-01-24
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX not addressed but like all the others this is a stall tactic

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 2024-01-24
Company: Experian Information Solutions Inc.
State: MO
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:
Yet again for the 3rd time today experian emails me another lie saying disputes are ready but of course they are not

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 2024-01-24
Company: National Collection Systems, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit was ruined out of nowhere from a bill that I never received or had any knowledge of. It was in collections on my report before I even knew the claim they made. If I knew that I was enrolled in classes I would have withdrawn because I didn't live in XXXX county. The school never sent me one bill or any mail making me aware of the fraudulent enrollment. They claim the bill is valid, but have no way to prove it was me that signed up. My kids could starve because times are hard and they stole my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: Experian Information Solutions Inc.
State: MO
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:
Absurd that experian has closed 9 complaints before XXXX XXXX  with 7 different explanations WITH ONLY ONE PROBLEM this predatory company is stalling but it's about to get costly

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 2024-01-24
Company: Experian Information Solutions Inc.
State: MO
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:
Experian closed 3 complaints in seconds of each other all with different absolutely ridiculous explanations

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 2024-01-24
Company: Experian Information Solutions Inc.
State: MO
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:
Experian notified me yet again with another LIE by tell me disputes are ready to view on line, LIE LIE LIE LIE LIE LIE LIE LIE LIE as you can see thats not true and more deceptive practices b this FRAUDULENT CROOKED COMPANY

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 2023-11-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are several inaccurate information on my consumer report regarding the following account number XXXX. The first major inaccuracy is that the account numbers do NOT match up. Both XXXX and XXXX are showing the above account number however, Equifax has been changing the account number on a monthly basis. This month the account number is XXXX and previously it was XXXX when the true account number is XXXX. This is a huge violation of the Fair Credit Reporting Act. The second inaccurate information about this account is the late payment that were reported when I was never late. Pursuant to the exclusion section of the Fair Credit Reporting Act, to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, Late payments ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. This is an experience of mine that can not be reported as it violates this section of the act. Additionally pursuant to 15 U.S. Code 1666b a credit may NOT treat any payment on an open end consumer credit plan as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX complaints with XXXX ridiculous explanations all before XXXX lie lie lie lie lie lie lie lie just another stall tactic

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 2024-01-24
Company: Experian Information Solutions Inc.
State: DC
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. XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.Code 1681 Section 602 A. States I have the right to privacy.

15 U.S.Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.Code 1681c. ( a ) ( 5 ) Section States : no consumers reporting agency may make any consumers report containing any of the following items of information other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.Code 1681s-2 ( A ) ( 1 ) A persons 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.

Inaccurate information on length of account.

Inacurrate information on payments of 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 2023-11-30
Company: EQUIFAX, INC.
State: GA
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:
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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-11-30
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2024-01-23
Company: Experian Information Solutions Inc.
State: GA
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:
My information was sold and bought illegally because I was a victim of the XXXX XXXX breach .I want these items Deleted from my credit reports effective Immediately.I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal accounts from my credit reports and remove all those negative 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 2024-01-23
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I wrote Experian a dispute lettter and they are refusing to re investigate the disputed information. They were provided with the proper proof of Identity, so there was no cause to send me an email asking to verify myself again. Experian is refusing to abide by the law. Below is the attached email stating their frivolous stall tactics. I hereby am putting them on notice to arbitrate if they do not resolve my dispute. They are 2 abide by metro 2 compliance which they are not even abiding by. This is illegal and against the law to refuse to re investigate my dispute. They have 5 days to remove the information off of my report. I have the right to hire a 3rd party if choose to. There is no law stating I can not hire a 3rd party or lawyer to repair my credit. Your letter is a stall tactic and its computer generated and you are breaking the law by refusing to investigate my disputed information.

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 2023-11-29
Company: EQUIFAX, INC.
State: MI
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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had the opportunity to pay my account in full and received an interest charge of over {$65.00} which I paid on XX/XX/24. On XXXX they added additional interest fees of XXXX cents. I called to request that they be removed since I had now paid over the amount borrowed twice. 
I work in customer service myself and know that the customer is not always correct but this is abuse. I checked the balance both times before paying it and they keep playing this game of not including the full amount to the customer to keep adding interest charges. They like all businesses are sending the accounts overseas and we are dealing with lack of knowledge and curtesy to the paying customer. 
I ended up closing my account due to rude individuals dealing with us. The guy raised his voice and so did I. I regret getting myself in this situation since I am one to take care of my debts, unfortunately I had no choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: NV
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:
on XX/XX/23 a letter was sent to equifax to dispute and verify some accounts that i know are not mine. They have yet to even process my request and respond to my dispute. These things on my credit are hurting me financially and causing stress in my household.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 writing to dispute certain information in my credit file that I believe to be incorrect. The presence of this inaccurate information is concerning and I request that it be investigated and corrected as required by the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit report, I discovered an account listed as " undesignated '' under ownership status. This designation is ambiguous and does not accurately reflect the true status of the account. Moreover, I affirm that this account does not belong to me. The FCRA mandates that credit reporting agencies maintain accurate and complete information in consumer reports ( 15 U.S.C. 1681e ).

Despite my previous attempts to have this matter corrected, the error persists. This continued reporting of incorrect information may constitute a violation of 15 U.S.C. 1681i, which requires agencies to correct or delete inaccurate or unverifiable information from their files.

I am formally requesting that [ Credit Reporting Agency Name ] conduct a comprehensive investigation into this matter and remove or correct the erroneous entry to reflect only accurate information on my credit report.

Please provide me with written confirmation of the investigation results and a corrected copy of my credit report upon resolution of this issue.

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 2024-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was hacked and felt that BofA did a poor job responding to the hack, plus they sent money to the thieves. Upon numerous calls to fix that, I requested the card be cancelled. The card was never cancelled. I twice visited a BofA office. 

Regardless, I was issued a new card number but no cards. I got a surprise notice that the annual fee was due. I had a card I verbally cancelled multiple times and yet evidently still had a card with BofA. 

THERE IS NO WAY TO CANCEL WITHOUT CALLING! 

I called. Waited 20 minutes. Got a representative. But oh no. I have to speak to a " XXXX  '' agent. I have/had ZERO intention of staying with BofA but I wasted another 20 minutes ... I was verbally assured the account was cancelled but am waiting for confirmation via USPS mail ... no email or notification through the app...

Finally rid, I assume, of BofA credit card. 

Get rid of the artificial barrier to exit!!!

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