BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
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: Account status incorrect

Complaint:
Experian UNFAIRLY IS REPORTING INACCURATE CREDIT INFORMATION PLACING CREDITORS ABOVE CONSUMERS. Experian has a Financial Duty to VERIFY INFORMATION REPORTED IS ACCURATE. See attatched Experian Dispute Results # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX WAS NOT OPENED BY ME. I REQUESTED DRIVERS LICENSE AND SIGNATURE TO OPEN THIS ACCOUNT BE VERIFIED BY EXPERIAN THEY DENIED. ( Kindly Note REINVESTIGATION OPTIONS ARE TO CONTACT THE PROVIDER OF THE IN CORRECT REPORTING. THIS COULD NEVER BE A FAIR FIX FOR CONSUMERS. ) I demand Experian XXXX VERIFY THIS ACCOUNT WITH DRIVER 'S LICENSE AND SIGNATURE TO OPEN IN MY NAME XXXX OF XXXX OR DELETE IMMEADIATELY ***** Verify Address ID # ALSO PLEASE XXXX as my Address. Please Provide XXXX ACCESS TO DISPUTE DIRECTLY WITH EXPERIAN LINK.

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: Eastern Account Systems of Connecticut, 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: Information belongs to someone else

Complaint:
Around XX/XX/2022, I called XXXX XXXX XXXX  to inquired about the inaccurate reporting of a debt from XXXX I explain to them that the debt wasn't mines because I never had service with them moreover I was XXXX during the time. I have attached a letter to prove that I was XXXX during the time this account was opened. Instead they ignore me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-05-11
Company: Capio Partners, LLC
State: VT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by Capio Partners LLC for an alleged debt they claim I owe from XX/XX/XXXX in the amount of {$230.00} to XXXX XXXX XXXX. Capio Partners is attempting to collect this debt on behalf of XXXX XXXX XXXX. On XX/XX/XXXX I contacted Capio Partners via phone to request verification of this debt and was sent an account statement dated XX/XX/XXXX that stated there was a {$0.00} balance and that it was not a bill. They have since not verified the debt further and were sent a formal written notice via certified mail on XX/XX/XXXX ( recieved XX/XX/XXXX ) requesting further verification of the debt with documentation from the original creditor and have not received any contact. It is now XX/XX/XXXX. They are continuing to attempt to collect this debt despite not verifying the validity and ownership of this debt. This debt was paid by health insurance at the time it was issued and the documentation sent by Capio Partners clearly reflects a XXXX balance on the account. They claim in a letter sent with the first collection notice that the reason for the XXXX balance reflection is because the debt was sold to XXXX XXXX XXXX and then purchased by them so the account was paid according to XXXX XXXX XXXX XXXX. This is not sufficient verification that the debt is owed and owed by me. They have put a derogatory account on my credit report for this alleged debt even though it has not been verified and new CFPB rules enacted XX/XX/XXXX state that medical debt less than {$500.00} can not be added to a credit report. They have engaged in numerous dishonest, misleading, and illegal collection practices and are causing damage to my consumer credit report for debt I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
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: Account status incorrect

Complaint:
Certified mailings. Phone calls and online disputes. 
From XX/XX/2022 until present. I have not received access to my free reports. Error, technical issues or dispute in process but no changes to report from paid access. 

I've called XXXX management they said they no longer report inaccurate information and i have no liability with them. Yet XXXX TransUnion and XXXX have all exhausted the XXXX of investigation but have not deleted the inaccurate unverified accounts XXXX management- inaccurate information XXXX XXXX  which is close to it's XXXX of 7 years despite inaccurate information XXXX  XXXX account XXXX because of discrepancies and unverified accounts but it still remains

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 2022-04-20
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: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
I was in bankruptcy from XXXX   after job lost and paid faithfully until dismissed in XX/XX/XXXX. In which BoA CHANGED my report from XXXX  to XXXX  FOR years XXXX XXXX XXXX, the years I was in bankruptcy and paying on time. 
Further never mailed any correspondence or bills letting me know I still owe on debt. 
I only found out by credit report monitoring. They further report currently each and every month XXXX  as past due on a debt over five years old.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
A collection added in is directly affecting my finances. It is unethical, incorrect, and not being reported. This account should not be on my credit. 

Transunion and XXXX : Account number XXXX. MUST BE REMOVED NOW XXXX : XXXX account number has never been late. This late payment MUST BE REMOVED FROM XXXX immediately. 

I disputed XXXXXXXX XXXX XXXX XX/XX/2023 as well.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 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 explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions 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:
My credit report is being send to my mothers email and I have never given any consent to allow for that.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-06-21
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:
My closed XXXX installment credit account shows incorrect information listed. This ACCOUNT shows incorrect / unauthorized charges added. Also, it shows that it's CHARGED OFF. please can you help me REMOVE this account from my CREDIT REPORT Thanks, 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 2023-10-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In the period from XX/XX/XXXX to XX/XX/XXXX, I did not have enough funds to cover some automatic payments, and my account was not enrolled in Overdraft Protection, in fact, when I open the Checking Account, I refused to enroll in Overdraft Protection and asked Wells Fargo to decline every payment when I have not enough funds. However, Wells Fargo went beyond the account agreement and decided to pay them and charge me fees for them even though they were low amounts, for a total of {$170.00} in 5 days. Some of the transactions occurred the same day but they posted in different days so they can apply additional fees. Three of the transactions were lower than the fees they applied, one of them a XXXX $ transaction which they charged {$35.00} fee. 

XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$200.00} XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$35.00} This transaction was not enrolled to overdraft protection, and it should have been declined ( actually, they declined the following payment on XX/XX/XXXX due a low funds ) XXXX XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX CA XXXX CARD XXXX {$49.00} XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$49.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX {$35.00} This transaction was not enrolled to overdraft protection, and it should have been declined. ( actually, they declined the following payment on XX/XX/XXXX due a low funds ) XXXX XX/XX/XXXX BUSINESS TO BUSINESS XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$30.00} XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$30.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} This transaction was not enrolled to overdraft protection, and it should have been declined ( actually, they declined the following payment on XX/XX/XXXX due a low funds ) XXXX XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXXXXXX CA XXXX CARD XXXX {$19.00} XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$19.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXXXXXX {$35.00} This transaction was not enrolled to overdraft protection, and it should have been declined. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX {$12.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$12.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX {$35.00} This transaction was not enrolled to overdraft protection, and it should have been declined.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 2023-07-02
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Investigation took more than 30 days

Complaint:
Contacted Toyota and they do not have information on the loan and Toyota reports account closed but assigned to a collection agency but have not reported collection agency to credit bureaus please correct collection agency or delete from all 3 credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: IL
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:
I am asking for you to INVESTIGATE these items. The Fair Credit Reporting Act where it said by law, I have rights to challenge anything I am not sure is accurate.15 U.S.C . Sec. 1681i ( a ) states if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted and I have proof they are not 100 percent right and correct. 

Also, In accordance with the Fair Credit Reporting Act 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 consent.

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.- ( PROOF ATTACHED ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

PROOF ATTACHED OF ALL INACCURATE ITEMS. 

XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. U.S. DEPT OF EDXXXX Acct XXXX XXXX XXXX. XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: EQUIFAX, INC.
State: OH
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 have submitted multiple disputes along with Identity theft reports/police reports to Equifax for fraudulent accounts and inquiries. They have not properly investigated these items nor provided sufficient evidence that i opened these fraudulent accounts. They refuse to remove all inaccuracies on my credit and it is damaging it bad!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
this is the second time i have applied for credit or credit line increase where i received the following response : " You are participating or have recently participated in a payment relief or deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts or loans. '' this information is inaccurate i have not received any payment deferral in the past, currently or recently. i have asked to be furnished with proof of this assistance and no one has been able to produce anything. american express is stating that they got the information from XXXX. when i contaced XXXX they stated there is nothing stating that on my report. also XXXX  loan was denied for the same reason stating that i had a modification of payment loans issued by a lender. which is also inaccurate. i do not have any deferral loan or credit card payments on any of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
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 HAVE SENT A DISPUTE FOR EQUIFAX AND STILL HAVE NOT GOTTEN A RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Late paymemt/missed payment and closed account was reported on my credit report during the Covid-19 Pandemic. I had difficulty keeping up with the payment due to being laid off from my job to job. I have tried to find multiple job just from being laid off job to job due to the business closing and not need much workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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