BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-02
Company: APG Financial Inc
State: UT
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 Leased a vehicle from Markosian Auto XXXX XXXX XXXX  XX/XX/XXXX. It had the option to buy the vehicle at the end of the XXXX  year lease. Which is exactly what I did. I was told that their financial company APG Financial of XXXX XXXX  would report my payments to All XXXX credit reporting companies. But they have NOT reported any of my payments since XX/XX/XXXX. On XX/XX/XXXX I made my last payment paying off the vehicle. I have the receipts for ALL of my payments. I want them to show my payment history on my credit reports to raise my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: CT
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:
There are multiple charge offs reporting and that is illegal to do because charge offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consumer report. The documents I attached is a screenshot of the IRS indicating about cancelled debt and how its income and the 3 consumer reporting agencies reporting the charge off also stated the law USC 1681. I never authorized the bureaus to report this and this is defamation.

I can ligate the bureaus for defamation because they're reporting information that they are not supposed to which will damage me financially and emotionally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: TX
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:
FCRA Violation Incorrect : Requesting a credit report for an impermissible purpose XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to dispute the accuracy of information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. I have identified several items on my credit report that I believe are reported inaccurately by Creditor during the covered period related to the coronavirus disease 2019 ( COVID-19 ) pandemic. 

The information in dispute is as follows : Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Date Reported : XXXX Inaccuracy : such as an incorrect Late payment status Account Name : XXXX XXXX XXXX Account XXXX Date Reported : XX/XX/XXXX Inaccuracy : such as an incorrect Late payment status I have reviewed my records and have determined that the information being reported by [ Creditor Name ] is incorrect and does not accurately reflect my current situation. As per 15 U.S.C. 1681s-2, furnishers of information are required to ensure the accuracy and integrity of the information they provide to credit reporting agencies. 

I kindly request that you initiate a thorough investigation into the disputed information and take appropriate action to rectify any inaccuracies. Specifically, I request that you : Conduct a reasonable investigation into the disputed accounts and the information provided by Creditor. 
Verify the accuracy of the reported information with Creditor and any other relevant sources. 
Promptly correct or delete any inaccuracies found during the investigation. 
Notify me in writing of the results of the investigation and any corrections made to my credit report. 
I have enclosed copies of supporting documents that validate my position and demonstrate the inaccuracies in question. These documents include [ list the enclosed supporting documents, such as payment receipts, correspondence with the creditor, or any other relevant records ]. 

Please be aware that under the FCRA, you are required to complete the investigation within 30 days of receiving this dispute letter. I appreciate your attention to this matter and the prompt resolution of the disputed items. 

Thank you for your assistance in rectifying this issue. I look forward to receiving your response and an updated credit report reflecting the accurate information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
After conducting an Internet search for my name, I discovered that some of my personal information was being used without my permission. My information was acquired by an aggregator website, which advised me to first check the website 's Frequently Asked Questions section and then contact approximately nine separate websites to have it removed. In addition to feeling violated because I value my privacy, I felt humiliated because I had to request that my belongings be removed. I discovered unauthorized fraudulent accounts on my credit report. I would like these accounts to be removed and rectified. Remove all erroneous and fraudulent accounts from my credit report. This has hindered my ability to acquire credit. I am doing everything possible to reclaim my life. Please assist me in deleting all fraudulent accounts. Please let me know if there is anything else that can be done to remove these accounts 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 non-monetary relief
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: MN
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:
The following debt collection companies thats currently listed on my XXXX XXXX, Equifax and XXXX credit report has been using abusive, unfair and deceptive practices and tactics to collect a debt on accounts thats not my account or debts and is the result of identity : XXXX XXXX XXXX, {$140.00}, XXXX XXXX, {$500.00}, XXXX XXXX {$640.00}, XXXX XXXX XXXX XXXX, {$700.00} and XXXX XXXX XXXX, {$3800.00}. The above debt collection companies is in violation of the Fair Debt Collection Practices Act ( FDCPA )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
All this occurred on XX/XX/XXXX. I was in XXXX, Colorado. My new ATM card was always in my possession in my wallet. I was alerted by my daughter that {$5000.00} was deducted from her checking account by tele-transfer and deposited into my checking account. Our accounts are linked on line as she works for us and we transfer money to her. Then when we looked at our account and there were XXXX withdrawals of {$900.00} each and 11 withdrawals of {$500.00} each withdrawn from my account taken out all using XXXX cash which we understand is some kind of sports betting. All this was done with my ATM card which was in my possession. We were shocked this many transactions were allowed by Wells Fargo with no fraud alert. I had only used this new ATM once on XX/XX/XXXX when I withdrew {$1000.00}. I tried to get {$200.00} more out of several accounts and it did not allow it. Yet..someone that was not me was allowed to take {$10000.00} out in 17 transactions on one day with no alert given. The only transaction I made with this card was at a Wells Fargo ATM. So obviously there was some kind of skimmer on that machine. We are shocked we could have {$10000.00} over 17 transactions deducted from a our Wells Fargo account with no fraud alert or protection. Where is the protection when you put your money in a bank that is supposed to keep it safe? So far, no solution from Wells Fargo. Only one phone call in 5 days. Nothing else.

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 2022-09-16
Company: Experian Information Solutions 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:
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, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED 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 non-monetary relief
Consumer complaint received 2023-11-15
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
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: Account information incorrect

Complaint:
On XX/XX/2022 I fully paid off all of my credit card accounts and one personal loan account. At that time my TransUnion credit score was XXXX. Then today my credit score dropped to XXXX. Most of the information is incorrect such as oldest credit line went from 30 years to 4 years (??? ). My credit used shows 87 % which is incorrect. I do not owe anyone anything. My available credit decreased from approximately {$12000.00} down to {$660.00}. This does not make sense. I paid off 100 % all of my bills and my credit score goes down. What is wrong with our credit reporting agencies? I will be writing my US Congressman and US Senator about this unacceptable credit reporting misinformation issue. I paid off 100 % of my credit cards and personal loan and then my score goes down! This should not happen to anyone, especially persons who pay their bills. I hope these credit reporting agencies did get my name mixed up with someone else 's. I am a XXXX XXXX U.S. citizen and I don't have the time or physical energy to chase down these credit bureaus mistakes.

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 2022-04-26
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage, soon after originating on XX/XX/XXXX was bought and transferred to US Bank. I was not provided with the details regarding my mortgage in writing : I was informed XX/XX/XXXX over the phone when I called about the mortgage that my first payment was due XX/XX/XXXX, however, since my mortgage was transferred to another lender I had 60 days from the date of transfer to make my first payment. This information was conveyed to me in a very confusion fashion. I have come to understand that my first payment was due on XX/XX/XXXX, however, I have 60 days after the transfer before this late payment/non payment is reported to the credit reporting agencies. I did not understand what the agent was saying, as this was explained in a very convoluted manner and I had no details of this loan to review. On my own initiative I called XX/XX/XXXX to understand, again, when the first payment was due. I received notice that it was due then. I immediately paid the mortgage payment, and I am now XXXX payment ahead of what is required. The mortgage company informed me that they have not reported me to the credit reporting agencies, however, I now learned that they are considering me LATE for purposes of removing my XXXX. I have invested over XXXX in my house in effort to have the XXXX removed, and the mortgage company is informing me that I was late. I was given misinformation, and the calls make this clear. I had none of this information in writing, and they are still investigating it. US Bank should treat customers better than this. I have a credit score in the high XXXX XXXX. I pay all bills on time. This process was confusing, and I was provided with misinformation every step of the way : agents told me I WAS reported to credit reporting agencies, and other agents gave me other misinformation about this loan. This is a problem. I want it resolved with my ability to remove my XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX- Incorrectly reporting as closed by credit grantor. This account was pad in full and closed at my request. I've made multiple written requests for evidence of the account status for which they have not responded. Please update the status to Paid/Closed by consumer or delete the account in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX- Incorrectly reporting as closed by credit grantor. This account was pad in full and closed at my request. I've made multiple written requests for evidence of the account status for which they have not responded. Please update the status to Paid/Closed by consumer or delete the account in its entirety.

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 2022-10-03
Company: Experian Information Solutions 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:
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of XXXX, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : 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 XXXXXXXX As required by XXXX and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of XXXX, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1956 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL 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 non-monetary relief
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 2021-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 all started when i got a loan from the bank for finance my vehicle in XXXX of 2021. Little to my knowledge, they listed my loan under someone elses social so i could not register for online management. In XXXX of 2021 they said that they had separated the accounts and walked me through how to set up the online management. This was on XX/XX/2021. On XX/XX/2021 my credit report updated and i got an alert on XX/XX/2021. The alert was telling me that my credit score had dropped. I logged in and saw i lost 88 points. I called the XXXX and asked what was going on. They were looking and said that a BOA credit card account had been added to my closed account section. Why was this on my account? Ultimately what BOA did was now move the other persons negative account to my positive account causing the point drop on my credit and a denial for a refi.

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 2023-10-20
Company: EQUIFAX, INC.
State: NM
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 XXXX I had an XXXX XXXX XXXX file my taxes, while filing for my taxes me or the preparer didn't notice that my W2 had the incorrect Social security number for me. After filing my taxes I had received my federal and state taxes that year. But as of XXXX I had noticed my incorrect Social Security Numbers were incorrect for XXXX & XXXX W2 forms. Not until my boss had not mentioned that I was laid off and I was filing for unemployment I had made her correct my W2 form social security number to the correct #. I don't know if she reported the changes but I do not have a correct W2 form with correct Social security number for XXXX. My identity has been stolen from XXXX and I had to file for an extension for XXXX due to the fax my new tax preparer had mention that someone who wasn't me had filed for my taxes without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: CA
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation