BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or upated immediately. Account number XXXX, account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting that you verify this debt and provide me with documentation that proves that I owe it. I am also requesting that you remove this debt from my credit report if you are unable to verify it. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA gives me the right to dispute inaccurate or incomplete information on my credit report. If you are unable to verify this debt, you are required to remove it from my credit report. 

I would appreciate it if you could investigate this matter and take the appropriate action. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Prosper Marketplace, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I reported fraud on my acct on XX/XX/XXXX. There were out of state transactions as well as transactions from over XXXX miles away. They gave me a temporary credit and then on XX/XX/XXXX I received a call from a XXXX asking to call them back. I called them back and the voicemail box was full. About a week later I received a letter in the mail stating that XXXX from Tops were valid and I never even reported a Tops on my fraud claim. I was also sent XXXX of the same credit card and I lost XXXX of the cards that's why I reported it immediately. I am now responsible for purchases on my acct that I did not do nor was I in that state. In fact, I made a post on XXXX that same day with my daughter as we were out to dinner with family in the town I currently reside in. On top of that, I have called on XX/XX/XXXX, XX/XX/XXXX, XXXX. I also sent a request via Fax on XX/XX/XXXX. I can't leave a voicemail for my representative because the mailbox is full and no one is sending me information that I requested nor resolving my claim. Now there is an overdraft on my credit card acct. I reached out to some of the merchants myself and they have never seen me or know anything about the issue which means they were never contacted by this company asking for information. I have proof of the XXXX cards sent as I have pictures because I thought it was bizarre they would send XXXX of the same card. Why?

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 2021-02-15
Company: EQUIFAX, 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 have disputed this inaccurate bankruptcy & items associated with bankruptcy since XXXX of 2020, and after each dispute the 3 credit bureaus, XXXX, XXXX, & Equifax stated that the information was verified and obtained accurate information from a third party vendor XXXX and that I should contact the vendor directly. I have contacted XXXX who sent me a response stating they are unable to locate a file sufficiently matching the data that the bureaus, XXXX, XXXX, & Equifax are reporting on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Experian Information Solutions 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:
This complaint is regarding the accounts XXXX   XXXX, XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX After sending dispute letters to Experian, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with 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 non-monetary relief
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am not liable for this debt with XXXX, XXXX XXXX and XXXX XXXX. I do not have a contract with these companies and they did not provide me with the original contract as requested.

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 2022-12-03
Company: EQUIFAX, INC.
State: PA
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 sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please correct or discard these items immediately : XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Barclays us bank deleware FDIC complaint # XXXX ) that was referred to the cfpb in XXXX XXXX not yet recorded on my file at the cfpb barclaysusbank of deleware accessed my personal credit reports eleven years ago and put a joint liability Undesignated owner account With beneficiaries Unknown to me It has remained on my credit without my knowledge or authorization for eleven years I reported it to the fdic after pulling my credit after being denied a loan in XX/XX/XXXX I have been trying to obtain the account history of all monies transferred in and out of these accounts and purchases ever since via email mail and phone Their barclaysusbank letter of XX/XX/XXXX stated That a copy of the electronic application was enclosed with their correspondence It was not Also as joint owner of the accounts I have lawful rights to obtain the information regarding the transactions of this account And all the Names of the beneficiaries And monies used transferred and money instruments purchased thru the luxury us bank My credit report specificAlly states UNDESIGNATED OWNER

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 2023-08-12
Company: Avant Holding Company, 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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: SC
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 submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian, XXXX and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
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 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 ( Original Creditor : XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX ; XXXX Date of Inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Date of Inquiry : 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 2023-03-21
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: National Credit Systems,Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX,2020 I spoke with XXXX XXXX and he was EXTREMELY RUDE and unprofessional. He would not let speak he kept interrupting me and not letting me answer his questions. When I asked to speak to a supervisor he hung up on me. I do not understand why he was so rude and unprofessional. I was only trying to get some issues resolve and he wasnt letting that happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: WELLS FARGO & COMPANY
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2011, Wells Fargo Bank was awarded a civil judgment against XXXX XXXX and XXXX XXXX - two individuals residing in XXXX XXXX who had used my Social Security Number to obtain financial products and services with Wells Fargo. In other words, this is a wrongful civil judgment due to the aforementioned identity theft. I have attempted to resolve the matter with Wells Fargo, the Internal Revenue Service Taxpayer Advocate Service and the tax authority in XXXX XXXX - all to no avail. I have also fired two police reports in XXXX XXXX connected to XXXX and XXXX. 

Case Type : Liens/Judgement Type : CIVIL JUDGMENT Origin Filing Date : XX/XX/2011 Agency State : Info Pending ... 
Irs Serial Number : Info Pending ...

Origin Filing Number : XXXX Filings Number : Info Pending ... 
Amount : {$4500.00} Agency : WELLS BANK Agency County : XXXX, CA

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 2023-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I charged {$60.00} in XXXX. I had no balance at that time. I never got a bill or a call regarding due date or amount owed or past due status until I saw a late payment in the credit bureau site. I called Capital One to tell them I never received anything - no mail, no email, etc.They said I opted out of paper statements so it is on me to go to the website to pay. 
I reminded them that on THEIR site I had already set up " 5 day email notice on payments due ''. They confirmed they had my email address. They confirmed that none had come to me because the emails were getting " bounced back ''. When I asked what would cause that, they said to ask XXXX. I checked with XXXX and there were no blocks or any kind of restriction for anyone. I told Capital One that their email ads come thru, so why not their emails? Again I was told the fault was on my end. 
This {$60.00} charge was noe {$130.00} - which I paid just to stop the progression. I asked to have late fees credited and the credit bureau told it was a mistake- but they insisted it was my fault for not remembering to go online and check. 
There are NO other dings on my credit report than theirs, and I am angry about that. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells Fargo charge me NSF fees upon additional NSF fees that caused my account to be negative in the upper {$100.00} bracket this causing my future paychecks AKA direct deposit from my employment to be less than I expected thus causing my bank account to have less money in it for me to pay my bills therefore causing utilities to be shut off and making it harder for me to make my payments via my bank account I called numerous times I don't remember the dates and feel I shouldn't have to put down the dates anyway you can figure it out once you go through Wells Fargo anyway they paid back small amount of my NSF 's but only would pay a portion which didn't even include Half of the amount owed to me please fix this for me in advance I thank you 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 2023-05-08
Company: Self Financial Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2020-11-09
Company: Experian Information Solutions Inc.
State: AZ
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've previously disputed this account with Experian. But I haven't received ANY correspondence back. Although I sent in my dispute almost two months ago! 


Experian Failed to respond to my written dispute within 30 days ( a 15 day extension was given because of Corona ) ( over 45 days ) THE LEGAL JURISDICTION IS : FCRA Section 611 Part ( A ) ( 1 ) The LAW IS CLEAR!! THIS NEEDS TO BE DELETED Immediately!!

Or I'll be forced to litigate.

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