BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-24
Company: Experian Information Solutions Inc.
State: GA
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:
Reason : I'm disputing the company XXXX  XXXX XXXX, Account XXXX XXXX. I disputed this account of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The reason I'm disputing this account because of inaccurate payment history reporting across all three bureaus ( Experian, XXXX, and XXXX ). I contacted each bureau showing them how each bureau was showing inaccurately and inconsistently. XXXX is showing 60 days late for XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX and 90 days late for the month of XX/XX/XXXX, But Experian is only showing 30 days late for those months. I also contacted Experian by Phone on Monday XX/XX/XXXX and was told they received the dispute on the XXXX of XX/XX/XXXX and the company had already responded with the information. That is a violation of the FTC Act as this account is reporting inconsistently and inaccurately. I also asked for proof of all of these late payments but I have failed to receive this proof from the company and the Bureaus.

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 2023-03-24
Company: Experian Information Solutions 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:
Dear Consumer Financial Protection Bureau, I am writing to dispute several collection accounts on my Experian, XXXX and XXXX credit reports that I believe to be fraudulent. I am a victim of identity theft and did not open or authorize any of these accounts. 

The following accounts are fraudulent : Experian : Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ) Date opened : XX/XX/XXXX XXXX : Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ) Date opened : XX/XX/XXXX XXXX : Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX I believe that these accounts were opened without my knowledge or consent while I was out of the country. I was not present in the United States during the time these accounts were opened, and I have not used the services of these creditors. 

As a victim of identity theft, I request that these accounts be removed from my credit reports immediately. I have taken steps to address this issue, including contacting the appropriate authorities and notifying my financial institutions. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, 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 explanation
Consumer complaint received 2021-01-12
Company: Google Compare Credit Cards Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Google Pay will now allow me to delete my financial payment information from their service. This is a widely known issue. Essentially, if a person has ever paid for a subscription with a given credit card, google will maintain that payment information ( card #, exp date, cvv, etc. ) After expressly being told they do not have consent to do so. It is unacceptable that they will not allow users to remove a payment method at the users discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I am in disagreement with the items listed below which still appear on my credit report, even after Credit Bureau Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

1. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Mistaken Identity XXXX  XXXX  XXXX  XXXX Account Number : XXXX Please remove this account from my credit 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 2023-11-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03
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: Investigation took more than 30 days

Complaint:
I wrote three credit bureaus, XXXX, Equifax and XXXX. I sent my disputes certified mail. None of these companies have responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking and a money market account ( MMA ) with Fifth Third Bank online on XX/XX/2023 and set up a link of these accounts with an account my XXXX  and I have at XXXX XXXX. After the link was confirmed, I initiated within my login at Fifth Third two ACH transfers from XXXX, one for {$10.00} into the checking account at Fifth Third and another for {$25000.00} into the XXXX at Fifth Third. The {$10.00} deposit was processed successfully on XX/XX/XXXX and there is no issue with it. However, Fifth Third never deposited the XXXX  XXXX transfer into my XXXX at Firth Third, even though they had debited the amount from our XXXX account on XXXX XXXX, XXXX. Furthermore, they locked my accounts such that I could not login to access my accounts. Subsequently, Fifth Third sent a letter to me threatening to close my accounts and report to credit bureaus such that other institutions may not do business with me in the future. I called Fifth Third and went to their local branch twice and spoke with the assistant branch manager. They kept telling me to ask XXXX XXXX  to file a claim to get my money back, even after I had both the 53rd manager and a manger at XXXX speak to each other on the phone directly. 

The fault is 100 % Fifth Third 's because they had my funds and there was absolutely no reason for them not to deposit my funds into my account. However as of today ( XX/XX/2023 ), the issue persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
RE : I Received Transunion Investigation Results File number XXXX on XX/XX/XXXX and find that this dispute result haven't fix nor resolved anything, Again Transunion has reported XXXX XXXX XXXX account number XXXX on my Credit Report that is completely incorrect. The Account that they are reporting is Identified as an ( Installment Account ), Which is incorrect, The true account type is a ( Credit Sale Agreement ) In accordance with Fair Credit Reporting everything has to be 100 % Accurate and discrepancies like this is unacceptable, The Credit Sale Agreement was Through XXXX XXXX XXXX, Vin number ending in XXXX and XXXX Brought the account. Also the date on the account reported opened on TransUnion is XX/XX/XXXX That is also incorrect, The correct date is XX/XX/XXXX as well the amount owed TransUnion reporting is incorrect, these are violation in accordance to the Fair Credit Reporting Act. and Demand Removal from credit report immediately, Proof of these documentations has been uploaded to CFPB. 
I expect fair investigation which is my right according to Fair Credit Reporting Act .... 
Note : Please look at the proof I provided through the CFPB Portal. ( True Balance ) ( True Start Date ) ( True Account Type )

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 2022-05-16
Company: Avant Holding Company, Inc.
State: NJ
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:
A FRAUDULANT CREDIT CARD WAS OPENED AT AVANT LLC/XXXX XXXX  ACCOUNT # XXXX A FRAUDULANT ADDRESS WAS USED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I live in XXXX  but own a rental property in XXXX, XXXX  that I purchased four years ago. I obtained a mortgage with Rocket Mortgage on the property. I had a catastrophic water leak at my property ( XXXX XXXX XXXX XXXX ) on about XX/XX/2021. I reported the damage to XXXX XXXX XXXX ( my property insurer ) who is handling the claim. They have provided approx. {$300000.00} for repair costs to Rocket Mortgage, which disburses the funds as they see fit. Approx. {$46000.00} has already been disbursed by Rocket Mortgage for demo and asbestos removal to a mitigation company. The contractor I hired XXXX XXXX XXXX  ) to begin repairs received approx. {$75000.00} to start but found additional asbestos and problems to deal with before construction. XXXX XXXX approved the additional costs and provided additional funds. Rocket Mortgage is currently withholding the funds ( $ XXXX ) that XXXX XXXX provided , preventing me from getting my house repaired. Rocket Mortgage states that there has not been enough progress to disburse additional funds to the contractor. The contractor will not begin work until they receive an additional disbursement. Rocket Mortgage state they are waiting foXXXX XXXX XXXX  to approve release of the funds, which they asked for 3 weeks ago, although they told me it would take 48 hrs for XXXX XXXX  to approve release of funds. I am losing several thousand dollars each month due to loss in rent because Rocket Mortgage won't release the funds provided by XXXX XXXX XXXX for repair. I am requesting delivery of the repair funds to my contractor so they can begin repairs. My mortgage account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There seems to be serious error and or illegal reporting that TransUnion is being apart of for the 5 accounts listed under Dept of Ed/XXXX . TransUnion has failed to reply to orginal Certified letter dated XX/XX/21 regarding inaccuracy in their reporting of the 5 previous mentioned accounts that have been paid in full and closed. I have also sent a follow up Certified letter dated XX/XX/XXXX Not only have they violated federal law by not responding in the specified time, but they also failed to provide me with any viable evidence showing the account is being reported accurately. Please understand I am making a final goodwill attempt to have this matter cleared up. The said accounts need to be deleted immediately from my file. My next complaint will filed with the Attorney General 's office

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Account # XXXX, XXXX has violated my rights. 

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

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 2023-08-13
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:
I am writing to bring to your attention a matter of great concern regarding the recent handling of my credit report as per the Fair Credit Reporting Act ( FCRA ), specifically in relation to the list of accounts outlined below. These actions appear to be in violation of my federally protected consumer rights to privacy and confidentiality as stipulated by 15 USC 1681. 

The accounts in question are as follows : Account Name : XXXX XXXX XXXX  Account Number : # XXXX Account Name : XXXX Account Number : # XXXX Account Name : XXXX XXXX XXXX Account Number : # XXXX Account Name : XXXX Account Number : # XXXX I initiated a request for reinvestigation of these accounts with XXXX, XXXX, and Equifax , in accordance with the FCRA. However, to my surprise, their response indicated that everything was deemed complete and accurate. This assertion baffles me, as several critical pieces of information, such as the open date, date of last activity, and other essential details, are clearly incorrect. According to 15 USC 1681 ( 5 ), it is incumbent upon them to rectify inaccuracies and discrepancies in accounts. 

My right to privacy, as provided by 15 U.S.C 1681 section 602 A, is paramount in this situation. Moreover, 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish any account information without my explicit written instructions. This principle holds significant weight in safeguarding my personal financial data. 

I must also highlight the provision within 15 U.S.C 1681c. ( a ) ( 5 ), which explicitly prohibits the inclusion of certain items of information in consumer reports, particularly adverse items that predate the report by more than seven years. This section is a crucial component of maintaining the accuracy and fairness of credit reporting. 

Furthermore, the obligation outlined in 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that no entity should provide information to a consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate. These provisions are designed to ensure the integrity of credit reporting, and their adherence is essential. 

It has come to my attention that the entities involved are not even in compliance with Metro 2 credit reporting standards, and I possess substantial evidence to substantiate my claims. Therefore, I kindly request a thorough review of this matter in line with the FCRA, and I anticipate a prompt resolution to rectify these violations. 

Please acknowledge the receipt of this formal complaint at your earliest convenience, and provide a clear timeline for the investigation and resolution of this matter. I appreciate your attention to this serious issue and trust that a fair and just outcome will be reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXXXXXX 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 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 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 2023-12-05
Company: EQUIFAX, 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:
I am writing to address a matter of utmost concern regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that EQUIFAX conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a checking and saving account under my name, as well as a family trust account, as a co-trustee, with Charles Schwab. We had a wire come into our Charles Schwab account on XX/XX/2021 from XXXX XXXX. This wire was a refund from an XXXX XXXX account, which was approved by XXXX XXXX. In terms of XXXX XXXX, they held onto the overpayment since XX/XX/2021 after closing the account. All payments cleared. After 60 days holding our funds, they approved the wire and sent it over. After the funds were sent over, as trust funds, they were moved from the checking to the brokerage account on XX/XX/2021. On or around XX/XX/2021, XXXX XXXX attempted to recall the wire transfer. It was denied by Charles Schwab since the account did not have any funds, as the wire was moved to the trust account, which I am a co-trustee. 

On Wednesday, XX/XX/2021, Charles Schwab prevented access to the account online for " our security. '' Charles Schwab said the accounts could be used using a debit card ; however, on XX/XX/2021, the debit cards stopped working and the account is still unavailable to log into online

Company response to consumer: Closed with explanation