BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
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 information incorrect

Complaint:
i have an incorrect report on my credit bureau reports. XXXX XXXX XXXX is reporting a balance of {$5700.00} on a car that was charged off. I settled this with XXXX in XX/XX/ and it should be showing a {$0.00} balance. also as part of the settlement the account was supposed to be removed from my report. PLEASE help. this is frustrating as i have contacted XXXX ( the original creditor ) and the bureaus and no one will help me. I have submitted documents supporting this and they don't even look at them or take them into account. This is a blatant violation of the fair credit reporting act. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Experian Information Solutions Inc.
State: LA
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 tried to get XXXX  card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get XXXX to remove this account that does not belong to me.

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 2023-11-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
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: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report with transunion for all inaccurate information on my file that needs to be removed. this has been an reoccurring issue that needs to get fixed asap. please review an delete the requested information to help clear my credit report asap.

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 2022-11-03
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I transfer XXXX from my cash app account into my XXXX account which I had several times before just smaller amounts the money would show up immediately on this particular day it did not XXXX which is pathward national rejected the transfer due to limit load you can only do XXXX per day. With that being said I then went ahead and contacted cash app they told me the transaction was successful and there was nothing that could do so since XX/XX/XXXX I've been going back-and-forth back-and-forth and neither of the companies can help me cash XXXX said they needed proof that they rejected it so they rejected it so I went ahead and emailed them my XXXX statement not only that I did the transcript from the conversation with the people from XXXX they gave me a denial code a rejection reason a time and amount of transaction and still nothing I just kept getting automated response automated response automated response so here it is 13 days later and they still say that it was A successful transfer which it was not and basically they've just taken my money and I just have to take it basically basically I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX reported 30day in XX/XX/2023 we are currently in XX/XX/2023. Loan care received payment on XX/XX/2023 which is within 30days. Theyre reporting inaccurate data that has caused an hardship on my financial status and employment. Ive called several customer representatives was told I would receive a call back from a manager that day and its been over two weeks no call, and no notification from from XXXX. This mortgage company is practicing unethical behavior, causing injury to the consumer.

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 2023-05-03
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 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 XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 : Also states a consumer reporting agency shall not furnish an account without 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 items 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 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 2022-03-09
Company: Experian Information Solutions 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 have already reported this account with incorrect information : Each time I dispute the info the credit agency and creditor add 's a new Charge Off indicator to the recorded : The Account 1. Is too long to be on the report due to its age 2. Charge off indicators for XX/XX/XXXX and XX/XX/XXXX must be removed and should not show as Charged Off each time I make a dispute 3. Open date for the account is incorrect 4. Trade does not show account was Tranfred and Sold : REMOVE THE TRADE LINE AS THE INFO IS NOT CORRECT and Keeps getting updated with incorrect information :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: PR
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:
Dear CFPB, I am writing to file a complaint and request your assistance regarding a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax, one of the credit reporting agencies. 

On XX/XX/2023, I sent a written request to Equifax, via certified mail with tracking number XXXX, requesting method of verification for two accounts on my credit report, which are XXXX XXXX XXXX account ending in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 611 ( a ) ( 6 ) ( B ), Equifax is required to provide me with the method of verification within 15 days of receipt of my request. 

I have attached copies of the certified mail receipt, tracking information, and a copy of the original letter for your reference. These documents serve as evidence of Equifax 's receipt of my request on XXXX XXXX. 

However, despite the passage of the legally mandated time period, I have not received any response or method of verification from Equifax. In fact, I recently contacted Equifax regarding the status of my request, and they acknowledged receiving my letter. However, they stated that they will not conduct further investigation and that they are currently processing a dispute for the account in question. This statement is incorrect as all disputes related to that account have already been closed on Equifax 's website. 

It is clear that Equifax has failed to fulfill its obligations under the FCRA by not providing the required method of verification within the specified timeframe. This disregard for the law is concerning and has a significant impact on my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I Closed my Capital One Account a few months ago, this was a Pre-Paid Credit Card & the only way that I could Close this Account, I had to Pay the Balance off in Full, a few days ago, I received a Credit Report from XXXX & to my surprise. Capital One has submitted a FALSE REPORT, SATING THAT MY ACCOUNT IS 30 DAYS PAST DUE. This is a False STATEMENT & THIS IS CAUSING MY XXXX XXXX to fall tremendously low. I tried to log onto this Account, but I can not contact them via my Log in information,,,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: OH
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:
Equifax refuses to respond to the statement in my letter that includes consumer law! They have ignored the laws that govern them and have not given any explanation or rebuttal against my findings. 

I need the CFPB to hold Equifax accountable for their negligence! I have accounts and inquiries that are not supposed to be on my credit report and they need to comply with the laws that govern them as stipulated in MY LETTER! 

Otherwise I will have no choice but to involve court!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 U.S.C 1681 ( a ) you are in violation of my rights to privacy and information I want to be private that's posted on my consumer reports is a violation of my privacy, Infringed upon my right of privacy. Please investigate that this account because it is not reporting 100 % accurate information there are so many errors within this account and this is a violation of FCRA. This account is unverifiable and inaccurate information, please investigate that this account is reporting 100 accurate due to the fact that this account with the XXXX XXXX XXXX account number XXXX has been listed as a duplicate several times on my report. As a consumer by law these accounts on this claim must be deleted 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 2020-07-18
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hi my name is XXXX XXXX I have an account with TD joint with XXXX XXXX. We applied for a loan and TD bank wants to return it the XXXX when this was a personal loan of XXXX dollars. They have my account frozen now for a month. They told me that the lender that gave us the money is asking for the money bank I asked them if I may have a copy of the email and they said no. I called the XXXX that gave us the money and they no they are not asking for the money that why will the bank say that to us. We need help before we loss the money and still have to pay it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received a check I was waiting for and my family needed the funds for family emergencies. I never had an issue cashing a check with chase bank. So I cashed it. The put a XXXX  day hold at first. When the funds were supposed to be made available told to me by customer service it was extended another 7 days. The results is I had my vehicle repossessed, and loss more money because I could make it to work. The representative told me the are holding the money because the issuer of check may have had a bounced check in the past. However chase took the money from the issuers account so he was not able to put a stop payment so I could use another company service. I called them many time and I was hung up on and treated as my life didnt matter resulting in extreme damages to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Westlake Services, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have two outstanding balances on my credit that I do not have anything to do with nor have I ever heard of

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 2022-03-09
Company: FIDELITY CAPITAL HOLDINGS, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was attempting to obtain a line of credit at XXXX XXXX and was denied, after going over my report. I've noticed a collection account that was open XX/XX/2019 reporting on my consumer report from Fidelity Creditor Services. Fidelity Creditor Services is alleging I owe their company a debit of XXXX. Ive requested for Fidelity to stop all reporting and validate debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
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 have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX Opened XX/XX/20 XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've pulled my credit reports and notice alot of inconsistency so I submitted a letter to have all the three credit bereaus investigate and subsequent removal. I have not heard back from them. I also submitted a letter correcting wrong information and have not received confirmation. As of today its been four weeks and have not resolved anything.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 received a letter in the mail where my credit was checked and trans union reported my credit score on XXXX XXXX as XXXX and everything I have access to my score is XXXX. I have been working hard to fix my credit since becoming XXXX and the letter i received said if I had a problem that I needed to contact trans union so I called on XXXX XXXX and the first time I spoke with a lady she said it was XXXX range she would connect me to higher up I waited 42 mins to be hung up on!!! Called back spoke with XXXX he said my score was in XXXX range I asked why they reported XXXX thats over XXXX point difference!!!! He told me he could not check last months score?? We are two days into a new month and my score of XXXX was the whole month of XXXX!!! I asked to speak to his supervisor he put me on hold held for 20 mins. To be hung up on again!! So I contacted XXXX with CFPB to file a complaint. Because I was up set how can a company have so much control over someones livelihood!!! When they cant tell you what your credit score from month to month!! And have a problem and not do everything to help you resolve it? Its like you set use up to fail!!! And when someone is working hard to correct I have an XXXX XXXX XXXX mother and I have medical issues and WE NEED A CAR!!!!! I understand its my problem but help those that are trying to help themselves!!!! AND I WANT TO KNOW HOW THIS HAPPENED???

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 2022-11-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS. I HAVE ALSO FILED FTC REPORTS WITH PROOF.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

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 an 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 explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$340.00} XXXX XXXX Balance Owed : {$390.00} XXXX  XXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$290.00}

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