BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: FL
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 recently turned 18 and wanted to set up credit monitoring to access my credit report and score using Equifax free product. Upon signing up, Equifax wanted to do an additional verification by sending me a letter by U.S. mail with a PIN to verify my identity. i had already uploaded my valid government issued id when i initially tried to register for an Equifax consumer account. After i received the verification letter by mail, i entered the PIN to my Equifax account. It showed accepted and validated, and i received a welcome email that i successfully established my account with Equifax. However, whenever i tried to log in to my Equifax account, it will not let me log in and gives me an error message. ... '' We are temporarily unable to complete this request. 
Please try again later ''. 

i contacted Equifax customer support for assistance, and Equifax refuses to respond or communicate with me. The problem persists, and i am unable to access my Equifax account. 

Equifax is denying me access to my credit report in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When attempting to have a cashier 's check issued I was told that I didn't have the type of account required to have a check issued for free. Fee {$10.00}. Teller tells me I must hold a balance of XXXX to have the check issued for no fee. I walk away and speak with a manager who tells me I just have a balance of XXXX for the fee to be waived. I do, balance XXXX. Then he says, you don't have right type of account. You must have an account that holds a balance of XXXX ... so within one day and 2 folks I get 3 different answers. Being a loyal customer since 1991 means nothing and then you are giving me different answers for why a fee of {$10.00} is being charged for a cashier 's check. Concerning and being that I am XXXX, I have a feeling this rule was put into place while I was in the lobby.

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 2020-02-18
Company: Experian Information Solutions 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:
XXXX  ; Experian and XXXX  are reporting incorrectly a balance due of {$180.00} on the XXXX XXXX   XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Pursuant to the email correspondence ( copy attached ), the loan company will request that this loan be removed from my credit report entirely when the report of repayment has posted. This account has been paid in full and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Last night created an account on Capital Ones XXXX XXXX XXXX upon creating the account I found a number of errors including a {$580.00} fee from original lender, XXXX etc location, XXXX XXXX, XXXX. I filed a complaint last night this afternoon I tried to log back into the XXXX XXXX XXXX, and it would not allow me and kept giving error. My account was compromised. Also, there was false addresses associated with my credit account as well. : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its showing up on my credit report.. unfortunately, Ive never lived at this location or have I ever been associated with this location Im thinking maybe the person who compromised my account may be associated with that location. These errors above or the reason for this complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report from your organization and noticed a credit inquiry that I did not authorize. I have submitted multiple complains and can not seem to get these REMOVED. These are not mine, remove asap from all credit reports. 

XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have attached my IdentityTheft & FTC fraud reports to support this request.

At this time, I am requesting that you remove these hard inquiries immediately off my report. Per my FCRA rights, you have 6 business days to remove these inquiries that I did not authorize.

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 2023-04-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XXXX XXXX I submitted a dispute with XXXX, Experian, and XXXX stating that my address, and phone number were incorrect and needed to be updated. with my dispute I attached my driver 's license, XXXX phone bill, and social security card. I requested all 3 credit bureaus update my information. on XXXX XXXX and XX/XX/2023 I received notice via my XXXX portal that the information was accurate and verified. XXXX, Experian, and XXXX violated my consumer rights. they did not provide valid information that they conducted a reasonable investigation or show how my information is accurate. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681i - Procedure in case of disputed accuracy a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, My claim with Capital One was denied on XX/XX/XXXX because " The info we got from the merchant shows this is a valid transaction '' for a total of {$900.00}. I initially filed a claim months prior as I had returned 2 orders to XXXX but never received a refund for the orders. In the middle of my return process ( after the items had been shipped ), I received an email from XXXX stating they are closing my account due to duplicate accounts being found. However, the only reason I created a second XXXX account is because my prior account was linked to my student XXXX, which I no longer have access to as I have graduated. Upon calling XXXX numerous times, they were unable to process my refund or locate my package. 

Therefore, I filed a claim with Capital One to further investigate in XXXX of XXXX. Upon receiving the claim, XXXX reached out to me through email on XX/XX/XXXX, specifically requesting tracking for the package I had returned. Please see photo attached showing proof I provided the tracking label as requested. I never received a response from XXXX until XX/XX/XXXX, presumably as I called Capital One and asked to reinvestigate. As seen attached, I responded to XXXX with all necessary information, yet still did not receive a response, even though they stated someone would get back to me in the next 72 hours. I forwarded all this to Capital One, as told by the representative on the phone, on XX/XX/XXXX to XXXX. I received a response from Capital One on XX/XX/XXXX, stating my claim was denied again due to not providing necessary information, even though I did. 

I then called Capital One again on XX/XX/XXXX and resent the same email with all information regarding the case as they requested. They then said they would investigate. However, I once again was denied XX/XX/XXXX, stating " we didn't find any errors for this amount after checking the docs the merchant provided. '' Please assist as I been consistently providing information requested by both XXXX and Capital One, only to not only be ignored but ultimately denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
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 belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In Accordance with the Fair Credit Reporting act XXXX  accounts name has violated my right. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. 


15 U.S.C 1681 section 602 A. States I have the rights 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 2023-04-22
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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Validation of Debt Request for Account XXXX XXXX Dear Sir/Madam : I am writing to request that you provide me with validation of the debt that you have reported on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, I am entitled to receive verification of the debt that you claim I owe.

I do not recognize this account that you have reported on my credit report. I do not recognize the account number, account balance, nor do I have any recollection of this alleged debt. Therefore, I am requesting that you provide me with the following information : The name and address of the original creditor ; The original account number ; The amount of the debt that you claim I owe ; Verification that you are licensed to collect debts in my state ; Verification that the statute of limitations has not expired on this debt ; Documentation showing that I agreed to pay this debt.

Original purchase agreement or contract from original owner of this debt ; Arbitration agreement if applicable from original creditor showing proof of refusal thereof Please note that until you provide me with this information, I dispute the validity of this debt and request that you cease all collection activity. Additionally, you are to remove any negative reporting regarding this alleged debt from all consumer reporting agencies including any third party consumer reporting agencies until such time as you have provided me with the requested information.

THIS DOES NOT MEET THE ( FCRA ) Thank you for your cooperation in this matter. 

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 2023-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a claim with Bank of America about a dispute for a charge in my VISA credit card that didn't have any support. I have submitted the documents to bank of America that shows that the charge was XXXX. Its was XXXX XXXX, and didn't have any specific description about the goods and/or services acquired. 
On XX/XX/2023, I received a letter from Bank of America that the Bank completed the research and have denied my claim. According to the Bank of America could be for extra miles, extra days, violations, refueling, and damages with a XXXX XXXX XXXX XXXX. 
But the Bank don't have clarity what about the specific charge is, because there are a wide and extensive range of items hat could be apply. 
I did the claim, because in my understanding the XXXX XXXX XXXX XXXXXXXX didn't specified the concept of the charge. 
The research and answer of Bank of America is very ambiguous.

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 2023-11-06
Company: Experian Information Solutions Inc.
State: VA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to go and trade my car in since Im XXXX and the car dealership said I would have to get something smaller than what I have because of my credit. I didnt understand why so I went and looked at my credit and I see accounts on there that is not mine XXXX, XXXX XXXX and XXXX. I have filed a complaint with the FTC and contacted the police here. Im doing this on my own and need some help taking these accounts off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX I am responding to your notice that you placed in my consumer report under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I never Lived at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX and I keep telling the credit reporting agencies that yet they continue to say it's been verified but that's impossible because I never lived there I don't know anyone who lives there and they claim they don't have to show us how it was validated so what else can I do? Can I sue them for all this false information they'er reporting because there is absolutely no proof of me living there because I never did. Also all those treasury items should not be listed because first of all there from my employer paying my medical coverage while I was out of work for XXXX and once I returned they released me so I resigned. Now how can they expect me to pay anything when their the ones who also handling my pesion which took them forever because they retaliated against me because I needed time off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 went to go and trade my car in since Im XXXX and the car dealership said I would have to get something smaller than what I have because of my credit. I didnt understand why so I went and looked at my credit and I see accounts on there that is not mine XXXX, XXXX XXXX and XXXX. I have filed a complaint with the FTC and contacted the police here. Im doing this on my own and need some help taking these accounts off my credit.

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 2023-02-11
Company: Williams, Rush & Associates, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After review my credit profile on XX/XX/XXXX Identified a discrepancy with account listed under Williams Rush & Associates LLC and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect in my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and second validation letter is send out this day. After reviewing credit report again on XX/XX/XXXX ( This account is involved in litigation ), there have been no updates and account is still reflecting in the report. I do not believe the account belongs to me nor do I believe that creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credits bureaus until adequate validation has been received proving this account belongs to me and all information is correct.

Company response to consumer: Closed with explanation