BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I received information from a Bank of America representative via phone informing me of a forbearance / deferment due to my Covid 19 and Hurricane Ida resulted hardship. I informed the representative that I was working towards catching up on my account. I specifically asked for clarity of the forbearance to ensure I would not have to pay notes occurred during the forbearance at the end of the forbearance. She assured me that those notes would be placed at the end of the mortgage loan period. I had her to repeat to ensure. At the end of my forbearance I was told something different and I am now working on a loan modification. I would have known the correct information, I would have sought out other options. A week ago I was informed by a representative ( XXXX XXXX ) that I needed to send an appeal email requesting information about an outstanding issue. I sent the email immediately and I also sent an appeal email regarding the false information. I informed the representative a week ago that I completed an appeal email regarding the false information I received and still have not received a response. At that time I was informed that I did not need to send an appeal email regarding the information I had just received stating I had an outstanding issue that needed to be addressed. That was again, false information. This is not the first or second time I have sent complaints due to false information from representatives. Bank of America only apologizes and moves on. Unacceptable and not professional at all. I am presently on XXXX XXXX XXXXXXXX due to XXXX XXXX  and this situation is only escalating those issues. I have requested that the recorded phone calls be reviewed. Last week, after being told day before that calls would be reviewed, that those calls in questions were not able to be reviewed, yet the representative was able to review several other calls. I am also having difficulties and frustration with representatives during this modification process. They continue to ask for duplicates and information that is noted not retrievable. In particular, after sending several child support check stubs, letter from payor and proof of deposits ( after being told to deposit ), they still continue to ask for evidence that it will continue. On last week I was told that they had a document that showed my payments are XXXX and I have proven otherwise that payments are XXXX XXXX month with several pay stubs and deposits. I am not sure where the errored information came from and the representative could not answer. They were provided everything that could possibly prove receipt and continued payment. After reporting to XXXX, a letter from XXXX noted next steps that were not taken.

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 2023-05-22
Company: EQUIFAX, INC.
State: MI
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: AZ
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 review the attached documents. I request an investigation into the accounts reporting me as late, despite my consistent on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18
Company: ERC
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 status incorrect

Complaint:
I have contacted them about the fraudulently opened account and they havent responded this is and injustice that these companies can put anything on your report thats not valid and I want this remove immediately this is disrespectful and tasteless

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: FIRST PORTFOLIO SERVICING INC
State: MI
Product: Credit 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:
XXXX - Due to the incompetence of Total Visa, my card was charged an amount of XXXX, I pointed this out to them, and they began an investigation but, in the meantime, instead of fixing the problem, on my account, they kept charging me overdraft and other fees which I think was wrong, they placed me in a terrible situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX a unauthorized inquiry was made from XXXX XXXX I ask that it be removed. on XXXX XXXX a unauthorized inquiry was made in my credit profile I asked that it be removed in XX/XX/XXXX a unauthorized inquiry from XXXX was made to my credit profile I ask that it be removed On XXXX XXXX a negative closed account was reported to my credit profile this account is fraudulent and I ask that it be removed 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
hello I submitted my first initial dispute on XX/XX/XXXX with Transunion, XXXX, XXXX with no responses or action taken by them the account continues to remain reporting in accurate on my credit report which is effecting my life horribly, the account is below XXXX-acct # XXXX they have been reporting my payment history inaccurate for over 2 years now and will not update, or delete this account i have attached the factual proof of there errors. for example XXXX has been reporting me paying ontime since XXXX of XXXX but XXXX  is reporting CO  on this account for payment history and this account has beenclosed since XXXX this is also a charge off and is still reporting a past due, and reporting payments every single month when this account is charged off. the last paymetn reporting was done by XXXX CO on XXXX of XXXX this year. this is illegal practices on an account that has been closed since XXXX. 

XXXX XXXX - acct # XXXX this account is was paid and full back in XX/XX/XXXX XXXX is reporting derogatory account status when this account was paid if you look in there comments it says PAID settlement accepted. 

XXXX-ACCT # XXXX - this accoutn is reporting inaccurate balance as well, XXXX and XXXX removed this account long ago but Transunion keeps reporting this inaccurate balance and has yet to verify this account with any 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 2023-05-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAIDXXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAIDXXXX XXXX XXXXACCOUNT NUMBERXXXXXXXXXXXXXXXXBALANCE $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXX XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID. ( Original Creditor : XXXX XXXX XXXX XXXXY ) ACCOUNT XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXXACCOUNT XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXXACCOUNT XXXX -ACCOUNT OPENED XXXX AS CHARGE OFF UNPAIDXXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID. 


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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, 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:
I noticed credit inquiries that I did not authorize made by the following companies below. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of privacy rights. These are fraudulent inquiries that I did not authorize. They information have not been validated with the companies nor have i been provided with copies of any documentation associated with these accounts listed below bearing my signature, I formally request once again that these fraudulent inquiries be immediately deleted from the credit file maintained under my Social Security number. I am making this final attempt to allow these Credit Agencies to correct the erroneous reporting, and I have maintaining a careful and complete record of my communications with the Credit Agencies. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, 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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
i have been an active loyal customer since XXXX I have made my payments and always keep healthy credit score however they have lowered my credit score so many times XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX , now again XXXX to XXXX $ this has made a drastic impact on my credit score of XXXX points over time. I feel like its unfair i use my card any make my payments as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions 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 requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you.

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report.

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claim action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : 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 explanation
Consumer complaint received 2021-05-26
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Me and my partner purchased a vehicle in XXXX in Massachusetts, financed through Wells Fargo auto loans. In XXXX we moved to Illinois and registered the car in IL. The IL Secretary of State issued an IL title which it sent to Wells Fargo. In early XXXX we refinanced the loan through XXXX  XXXX XXXX. At payoff, Wells Fargo issued a Massachusetts title that voided our IL title and caused us to have trouble re-register our car in IL, incurring additional fees. Wells Fargo has contended they never received a copy of the IL title even though the IL Secretary of State has a record of its issuance.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: IL
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 fair credit reporting act XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2023-11-13
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable information below : 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 non-monetary relief
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
False collections on my credit report unauthorized loans and credit cards

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 2023-10-12
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is First name- XXXX / Middle Name- XXXX/ Last name- XXXX It should appear as XXXX XXXX or XXXX XXXX XXXX any other name is incorrect

Company response to consumer: Closed with non-monetary relief