BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: FL
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am writing to bring to your attention an error in the reporting of a joint loan account that is affecting my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to have accurate, complete, and up-to-date information on their credit reports ( 15 U.S.C. 1681 ). In light of this, I kindly request your assistance in rectifying this matter. 

I took out a loan jointly with XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX, but it has come to my notice that this loan is reported only under my name in the credit bureaus records. This is not in line with our agreement with the lender, which clearly stipulates that this is a joint account. 

I kindly request that the CFPB facilitate the correction of this error by ensuring that : 1. The account.XXXX XXXX  account number : XXXX date opened XX/XX/XXXX is accurately reported as a joint account in adherence to the FCRA 's provisions concerning accurate reporting. 
2. XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX is added as a joint account holder and this information is reported to all the major credit bureaus, honoring our initial agreement with the lender. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring the accurate representation of this account in line with the FCRA provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am lodging a formal complaint against lvnv funding. this debt buyer has intentionally continued to report derogatory information on my credit reports that isnt mine.i have requested thru mail since XX/XX/2017, debt validation for this account on my reports. and they have ignored my request but continue to report every month. lvnv also never sent me a dunning notice in the mail before they reported which is a violation of the fcra/fdcpa act. i have called and spoke to them about this and they continue to tell me we dont have to send you anything in the mail before we report on your reports which is a lie. this debt is for a XXXX XXXX XXXX credit card which i never had before. ive never had XXXX XXXX XXXX   on any of my credit reports which i spoke to them and told them. the representatives told me they dont care and i need to just pay. i am in the process of purchasing my very first home and this errounous account is holding me back. i am requesting immediate deletion of this account from my credit reports and no further action will be taken. if not i will be reporting to my state and lvnv state attorney general offices, and contacting legal options. thanks for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX damaged my credit score over the years by showing my two student loans opened in XX/XX/XXXX but did not report my first payment until XXXX. My payment history will show that my actual first payment was in XXXX. The Fair Credit Report Act will show that I am entitled to 100 accurate credit reporting. They withheld years of my payment history which lowered my credit age from 18 years to only 5 years on my credit report and the First Report date is how my score is mainly calculated so by XXXX failing to report my correct first payment date in XXXX forward I have suffered financially because their fraudulent and false information lowered my credit score. Also my loan was paid off from consolidation on XX/XX/XXXX but they reported me for having a higher balance on XX/XX/XXXX to the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Employer : XXXX XXXX, XXXX Date Updated : XX/XX/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 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
SITUATION On XXXX XXXX, 2017 in response to the XXXX breach, I went online to the TransUnion website to initiate a security freeze on my account. I had to submit confidential information including my social security number, credit card information, and pay {$10.00} for the request. 

COMPLICATION After providing all the information requested including my {$10.00} fee, I was notified online at the end of the transaction that it did not go through, that the information I provided was not correct. 

HOWEVER, when I contacted my bank they said that TransUnion immediately deducted the {$10.00} from my account. I received no indication by email that the transaction went through, in fact I was told it failed. 

I tried calling customer service and several other XXXX numbers listed by TransUnion only to discover that the phone numbers were not in service, even though a voice comes on saying Welcome to TransUnion. Then it goes into this mode : The number you have reached is not a working number.. Bottom, line : after 3 days of trying to contact TransUnion by phone, I have given up and filed this complaint.

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 2023-10-04
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights to privacy. 

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 They have harassed me via phone, even after changing my phone number. I am demanding the original application for this debt be furnished, along with proof of my written signatures or this needs to be remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-06
Company: EQUIFAX, INC.
State: AZ
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 other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: EQUIFAX, INC.
State: WI
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:
This account is inaccurate. First off, how can I have 8 120 days late payments. Instead of 120 days late it should have been collection account. When I had talked to a person at the XXXX XXXX XXXX they had said to me they would restore my account in good standing if I had made 8 payments on time and paid the account in full. This is not the point apparently since I am still dealing with this account. Also I had made the payments to this about in XXXX into XXXX not XXXX into XXXX but apparently this is wrong as well. You can see the information is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a complaint with the CFPB on XX/XX/19 regarding a dispute of erroneous information found on my credit report that I mailed to Equifax on XX/XX/19. I did not receive any response from Equifax regarding my dispute which was received by the company of XX/XX/19. I sent a follow up letter to Equifax on XX/XX/19 that it had been more than 30 days and I had not received any results from my dispute of the unverified accounts. Upon receiving the complaint from CFPB, Equifax stated on XX/XX/19 that they initiated an investigation into the items, and it would take 30 days to complete. As of today XX/XX/19 it has been over 30 days from my dispute with CFPB and I have not received any results from my original dispute directly with Equifax on XX/XX/19, nor have I received a response from Equifax per my complaint submitted on XX/XX/19. Despite my written requests and complaints filed with CFBPP, the unverified items listed below still remain on my credit report in violation of Federal Law. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish which has been detrimental to my credit reports. I demand that all references accounts must be deleted and completely removed from my credit report. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX and Account # XXXX XXXX XXXX   Account # XXXX XXXX XXXX XXXX Account # XXXX Inquiry : XXXX XXXX  Date XX/XX/2019 - not authorized by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: U.S. BANCORP
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My bank is the US Bank. On XX/XX/XXXX I viewed and messaged a person on XXXX about a vehicle listing, they claimed to have a well-conditioned XXXX  XXXX XXXX and wanted {$3000.00} in total. I used XXXX on my bank app as the main transfer to send and receive money. I made my first payment on XX/XX/XXXX of {$150.00} as a hold on the car and to pay in advance for paperwork. I live in Missouri but the car was in Arkansas. I continued communication with the scammer and I offered my current car as a trade-in that he agreed to, bringing my cost of the car to {$2000.00} including a trade-in. He, later on, took back his agreement saying my current car was not worst a lot and ask me to pay the total amount for the car in order to finish the paperwork before I arrived. I made two more payments, one on XX/XX/XXXX for {$1700.00} and another on XX/XX/XXXX for {$700.00}. XX/XX/XXXX was our agreed date to meet so I could pick up the car. But at the location neither the car nor the scammer was present. I immediately filed a dispute with my bank and made a police report. Between XX/XX/XXXX and XX/XX/XXXX I called and ask about the status of my dispute. On XX/XX/XXXX I called around XXXX XXXX and asked again about any actions I could take to aid the investigation, the representative then told me that on XX/XX/XXXX the dispute was closed and that id is getting back my money back by the end of the month. Immediately after the call, I went to check my mail to find a letter stating that all my disputes for each payment were declined. I have text messages and the social account of the person who scammed me. I have the evidence and witnesses that were with me to prove I was wrongfully taken advantage of. I'm a first-year college student in desperate need of money and a new car. I worked hard for my money just for a scammer to use me and for the bank to protect them. US bank didn't ask for any of the evidence I had or for my full story.

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 2019-05-09
Company: SYNCHRONY FINANCIAL
State: NM
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:
An inquiry from SYNCB National Credit Cards/Airlines, showed up on my credit report through XXXX XXXX. When I call or email regarding this, all I get is the run around or pushing it back onto the other company. I have never applied for XXXX XXXX for any medical bills, etc. 
XXXX XXXX tells you to contact the credit bureaus, but then XXXX tells you to contact Synchrony ....

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 2019-02-21
Company: Experian Information Solutions Inc.
State: UT
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 filing this complaint because credit bureaus did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : UTAH XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX   XXXX ( Original Creditor : UTAH XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : 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 2023-09-20
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I went on line to pay in full my XX/XX/XXXX Bank of America Mastercard statement bill of {$560.00}. 

By error I must have added 2 zeros and entered the amount {$56000.00}, exactly a hundred times what I owed. I hit pay without realizing my error. I did not get a confirmation of payment, so I assumed that this payment did not go through. 
I therefore paid again, this time the correct amount of {$560.00} and did get confirmation of payment. The payments were withdrawn from my XXXX checking account. 

On checking my XXXX account XXXX I noted that BOFA had taken both the {$56000.00} and {$560.00} payments from my account. I called BOFA and the customer service representative saw that this was an obvious error, spoke to her supervisor, and assured me that the erroneous payment would be wired back to my XXXX account within 2-5 business days. I have not heard further from BOFA on this matter. 

I am surprised that this amount would have even been accepted by BOFA - my maximum credit with BOFA is only {$30000.00}. The computers are programed to recognize any unusual activity to avoid fraud and I do not understand how this excessively large payment would escape detection. 

I am fortunate that I have the resources to have a private banking relationship with XXXX and my banker has allowed my account to remain active and allow me to meet my current obligations. I informed her that I was informed by BOPFA that this error would be corrected within 5 business days which I calculate should have been XX/XX/XXXX because of the XXXX holiday. 

Today XX/XX/XXXX, business days and 14 days later, there has been no resolution of this matter. 

Today XX/XX/XXXX, I placed another call to BOFA and this time the representative informed me that her supervisor stated due to the large amount involved, this erroneous payment needed to referred to a financial committee for review first and this would take another 7-10 business days. I attempted to speak directly to a supervisor twice, but both times the call did not go through with wait times of 20 minutes. The call was terminated by BOFA. 

Federal credit rules state that overpayments of a credit card bill must be returned to the consumer within an ~ 2 week period. I am not getting any cooperation from BOFA. I have an excellent credit rating and have been their customer for ~40 years.

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 monetary relief