BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: NJ
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 reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

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 2023-08-14
Company: EQUIFAX, INC.
State: CT
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
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:
I was charged fees by Wells Fargo and they placed my name in the debt department for one account over {$300.00} and the other amount over {$400.00}. I should not have to pay these fees because it was for a check I had cashed already.

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 2023-06-14
Company: EQUIFAX, INC.
State: MS
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 valued your time to remove some of the information in my file that resulted from an alleged identity theft but I have items left that need to be removed. Per FCRA section 605 you are required to remove the items. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your wilful noncompliance. These fraudulent items need to remove from my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Inquiry dated XX/XX/2022 ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX dated XX/XX/2022 ; XXXX XXXXXXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: MLD MORTGAGE INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We took out a loan from XXXX XXXX XXXX on or about XX/XX/XXXX. 
Our first payment was due XX/XX/XXXX, and late if not received by XX/XX/XXXX. 
Our bank sent our first payment on XX/XX/XXXX. 
Our check was stamped received on XX/XX/XXXX. 
We paid off our loan on XX/XX/XXXX. 
Subsequently, we received our annual account statement for XXXX which showed our first payment was processed on XX/XX/XXXX, and we were assessed late fees of {$220.00} I called XXXX XXXX XXXX on XX/XX/XXXX, and XXXX, XXXX and they refuse to talk to me. 
I request a refund of these late fees.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Dates : XX/XX/2022 2022

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Account Name : XXXX XXXX  Account Amounts : {$10000.00} XX/XX/XXXX I disputed this account with all three credit bureaus, XXXX, XXXX, and TransUnion. There was an update XX/XX/XXXX reflecting a resolution, but my credit report still shows inaccuracies with the agency name and account numbers. According to the FCRA this account is not accurate. Please delete this account from my credit report.

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: PORTFOLIO RECOVERY ASSOCIATES 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:
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent back to me stating that everything is verified correctly. My credit report is still showing inaccuracies. 
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 2021-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened dispute for {$140.00} with capital one for a purchase that i never receive online order. I never received by merchant it said it was delivered I did contact the merchant and reported this matter. They did nothing. The company never send my me a replacement or refund. Upon asking they keep asking for a PROOF report. I open disputes with my bank capital one and provisional credit was given but on XX/XX/XXXX they took the provisional credit from my account. I called and asked why they're customer service is wrost in thier fraud department. This woman don't know what she doing. Upon speaking with manher she also lied that someone get back with me 3-5 business day I have called multiple times and want to talk to my case worker all I get is someone FROM BACK DEPARTMENT WILL CONTACT IN MY EMAIL???? What! It been 2 weeks I never heard from anyone i have wrote multiple emails myself and never heard back. All I was told that they finished my dispute saying the package was delivered. The case is close?? I'm trying my best to explain this matter to this bank. But I don't have the package either it lost or stolen?? And they never send me replacement or refund. But bank went with that statement and never helped me get my money back??? This is wrost way to handle a dispute. And the only Communication through email??? I need my lost money back from this company???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I wanted to view my credit score for an upcoming potential apartment lease, so I paid for a subscription to trans union to be able to view my credit report back in XX/XX/XXXX. I was supposed to be able to see my report and see how to better my XXXX XXXX. I used it once and then forgot about my subscription till about 2 months ago. At which point I remembered what the charge was for this website trans union. When I went to go cancel it, the website kept giving me the run around and trying to get access to my account itself was extraordinarily difficult. No matter how I tried to view my account it would never let me past the login info page. I knew what the answers to my security questions were and it continued to tell me that my answers were incorrect and that i would have to call to get help with access to it. I tried calling multiple times over the course of a few weeks along with attempting to still access my account via the login page to no avail. Finally this morning on XXXX the XXXX of XXXX, after a couple tries, I was able to talk to a representative and cancel the subscription for good. They were charging me since XX/XX/XXXX, without me being able to access the account or view my credit score, and I was unable to get anything from it past the first time I used it. In my view these charges are fraudulent / " services not rendered '' as they haven't been providing the service I was paying 20 dollars a month for. I want to be able to recoup those losses if possible, and I want to make sure the service is actually canceled.

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 2023-11-21
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i bought a laptop to dell using dell credit card. i bought it online. i returned the item due defective item issues. I received a mail to make a payment from Comenidy back which is the financial company that dell use it. Dell thorough XXXX sent me a confirmation that the laptop was received, including the credit back to my account. I made several courtesy calls to both Dell and comenidy bank. Both companies told me that i should talk to the other party when i call them. Comenidy told me that they still not receive from Dell the conformation that i got credit back to my account when i returned the laptop.

i still receiving mails of payment and now my credit score is going down because i am not paying the mails. 

The last call I made was to XXXX that is in the XXXX  file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report.

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 2021-07-23
Company: EQUIFAX, 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:
On XXXX XXXX, I spoke with the loss mitigation specialist XXXX  regarding issue with my credit reporting. I told XXXX that XXXX was putting on my credit report that I had a Balloon on my Mortgage and the information was incorrect. I let XXXX know that My payments was deferred from Covid and the remark should be a deferment not a balloon if anything. XXXX let me know that a Balloon is kinda like a deferment and that is why it's on there. I begin to tell XXXX  that this is false information because I do not have a balloon and you should not put something on someone credit report if that is not what it is and that is false information. She then let me know that this is the company 's policy. When I ask to speak to a supervisor she would not let me speak to her supervisor and told me she would put in a ticket for one to call me back because her department does not handle credit. A supervisor has still not call me back at this time to try to fix this issue. I have attached the deferment showing that this is not a balloon. Also XXXX should have report payments from XX/XX/XXXX - XX/XX/XXXX reflecting timely payments through forbearance which they did not report. page 5 of the forbearance agreement state that credit report will have this reflected and this was not done as well because there is no data reflecting for those months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, 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 stayed at the resort once but only paid for the room for the time I was there and was forced to attend a presentation. This account is not mine as I did not purchase anything from them. They had all my personal information and brought out a bunch of paperwork and contracts for a vacation package. I declined the offers, they had my ID and other personal information. I realized they took my information to process transactions & opened an account without my consent. They have been billing me and I've made payments just because I don't want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this with the credit bureau and had no resolutions. This is a scam. I do not have a legitimate account with this company. I had been defrauded and taken advantage of. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but Ive had no responses. Ive sent out requests to Equifax and XXXX  and to the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: KY
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:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: TN
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Experian Information Solutions 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:
Experian said they verified the bankruptcy through the court system and XXXX attached are letters from the courts stating that they don't verify this information and from XXXX stating that my file is frozen, the credit bureau is saying that they are verifying this information which is incorrect, please remove from my report.

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 2023-08-14
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit profile. 

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for a removal they also violated my rights. 

15. U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without written instructions.

Also the credit bureau took more than 30days to complete my investigation here is my certified mail tracking XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: IL
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 is my several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, IL XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$2100.00}

Company response to consumer: Closed with explanation