BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: PNC Bank N.A.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I attempted to add funds to the XXXX XXXX, based in New York, and which operates in Washington State, my state of residency. PNC, my bank, denied me access to transfer funds to the XXXX XXXX via the XXXX service. The problem has not been resolved. These are my funds and I have the right to do with them as I wish in a legally compliant manner. I understand the need for security, but at a certain point, my bank should not be the arbiter of risk assessment for my funds. That responsibility lies with me and my money. 

The error I received from XXXX is that " PNC has made a change that prevents you from being able to link your accounts. '' This seems to be a common problem with PNC and third party apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: IL
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 been working on my credit since XXXX this year and I have sent mail to the XXXX, and XXXX mailed me letters stating I was a credit repair agency and could not resolve the issue. I have been in the dark about my personal credit since XXXX XXXX, XXXX. I have not heard anything and they have violated my rights. I need these negative items removed from my credit report. They have violated my legal rights! It has been well over 60 days with no communication via mail, or email. 

Accounts listed below & Dates of letters sent on XX/XX/XXXX, and XX/XX/XXXX : 1. XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
2. XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
3. XXXX XXXX Account Number  : XXXX Please remove it from my credit report. 
4. XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
5. XXXX Account Number : XXXX Please remove it from my credit report. 
6. XXXX / XXXX Account Number : XXXX Please remove it from my credit report. 
7. XXXX Account Number : XXXX Please remove it from my credit report. 
8. XXXX Account Number : XXXX Please remove it from my credit report.

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 2023-08-17
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: Account status incorrect

Complaint:
XXXX XXXX XXXXXXXX was closed in good standing years ago, and should not continue to reflect an open line of credit. 

Despite this, it still shows as open on my Experian credit report, despite being closed on my XXXX and XXXX reports, and having been closed for years. I have disputed this multiple times ( e.g. Experian dispute XXXX on XX/XX/2023 ) over the last year, and each time the account has been upheld. A statement is recorded on the item, but I would like this line completely closed on my credit report.

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 2022-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank of America at XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX ; ( XXXX ) XXXX ] abruptly and without notice closed their lobby many days ago. I have been trying to access my safe deposit boxes multiple times for nearly two weeks. There is no sign that says why they closed, if or when they are going to reopen, and how or if existing paying customers can gain access to their safe deposit boxes. Vital personal paperwork ( car titles, homeowner 's insurance, advance directives to physician, last will and testament, etc. ) can be in these boxes, and customers are unable to access their property. This is creating a personal catastrophe for me. I have called multiple times, emailed as directed multiple times to XXXX, called Bank of America customer service, ( XXXX ), etc and still can not locate a responsible party who will open the lobby so I can access my safe deposit boxes. Could you please contact this organization and get the name of the responsible party at Bank of America who can open the lobby, obtain their plan of action for reopening, provide access to my safe deposit boxes, and state when and if they plan to reopen ... or if they are permanently closing. I would like one of your staffers to get on the phone with them, and to conduct a three way call with me to determine a date and time and the name of who will provide access to my safe deposit boxes. I have been a loyal customer for many years, have a bank account there, and I am very stressed that my life is suspended because there was not planning for a potential closure ... e.g. open the lobby for 2 hours in the morning on Mon, Wed and Friday. There is no corporate statement nor sign on the door as to the dates of closure, reopening, or why the lobby was abruptly closed. As a customer, I am obviously concerned about solvency of the bank. Also, I am paying rent to have my safe deposit documents/property held hostage and inaccessible. I am respectfully asking for your help because I have nowhere to turn. Is this practice even legal? Any help is greatly appreciated. 
PS I am acquainted with the Branch Manager, XXXX, who is a lovely and competent individual. She has always been helpful and has solved many issues for our family over the years ( college finances, car loan info, etc. ) I am confident that she is a sensible, responsive manager, but I can not speak with her since the lobby is closed. 

Bank of America XXXX XXXX in : XXXX & XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( 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 monetary relief
Consumer complaint received 2023-03-06
Company: Experian Information Solutions 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: 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 XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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 2023-01-07
Company: Experian Information Solutions Inc.
State: KY
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  Acount # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : 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 non-monetary relief
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$2600.00} COLLECTIONS XXXX {$82.00} XXXX  XXXX {$220.00} XXXX XXXX XXXX {$890.00} XXXX   XXXX XXXX {$610.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$300.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-21
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: Personal information incorrect

Complaint:
Experian, Please remove this spelling of my name on the XX/XX/2023 credit report - it is spelled wrong : XXXX XXXX Attached to this complaint are : - Section in Experian report which displays this wrong spelling of my name - My drivers license for ID and address - My social security card

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 2020-06-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed the referenced account, XXXX XXXX, on XX/XX/XXXX. The credit report of XX/XX/XXXX XXXX Report # XXXX XXXX showed this item was deleted from my credit file. A subsequent credit report of XX/XX/XXXX XXXX Report # XXXX ) and credit report of XX/XX/XXXX XXXX Report # XXXX ) continued to show this item deleted from my credit file. Now this item has been reinserted on my credit report in violation of the FCRA. 

Additionally, I previously notified Experian and XXXX XXXX XXXX XXXX that I am a victim of identity theft, and requested that they do the following : 1 )  Remove any charges on the unauthorized account, and 2 ) Take steps to remove information about this account from my Experian credit files. I still have not received written confirmation of these actions. 

As I stated in previous communication with Experian before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX XXXX XXXX. I did not open or authorize this account, and I demand immediate steps to remove this information completely from my Experian credit report and file.

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 2018-02-23
Company: EQUIFAX, INC.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An account I had went to collections after I moved. After I was made aware it went to collections and was placed on my credit report, I paid the balance in full. The payment was made XX/XX/2017. I have contacted collection agency asking them to report it the all credit bureaus as paid in full. I have sent copies of the cleared check from my bank to all credit bureaus with a letter asking them to update account to paid in full. I have disputed the item with all credit bureaus in excess of 30 times still getting the same response as before. The account is paid in full. They have all necessary documentation showing that it was paid in full. It needs to be updated as such asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
We sent on XX/XX/XXXX an International Wire-Transfer ( XXXX ) in the amount of {$49000.00} from our bank Wellsfargo, account number ending in XXXX, to a XXXX XXXX company named " XXXX XXXX  XXXX XXXX XXXX XXXX '' as a trading transaction to purchasing products. 

On XX/XX/XXXX we complain to Wellsfargo regarding the company not receive any funds. 

On XX/XX/XXXX we amendment the company address. 

On XX/XX/XXXX ask Wellsfargo to trace the Wire-transfer ( NO RESPOND ) On XX/XX/XXXX ask Wellsfargo to trace the Wire-transfer ( NO RESPOND ) On XX/XX/XXXX ask Wellsfargo to trace the Wire-transfer ( NO RESPOND ) On XX/XX/XXXX, after multiples complaints, we recall the wire and cancel the transaction since the company never receives the funds. 

On XX/XX/XXXX we complain we re-open the recall the wire. They open a case number : XXXX / service order case # XXXX On XX/XX/XXXX, Wellsfargo give us the copies of the emails and say XXXX XXXX was investigating, after that ( NO RESPOND ) On XX/XX/XXXX internal Wellsfargo bank communications say : " PLEASE BE ADVISED, THAT WE HAVE CONTACTED XXXX FOR DEBIT AUTHORIZATION ON SEVERAL OCCASIONS. HOWEVER, WE HAVE BEEN UNABLE TO OBTAIN DEBIT AUTHORIZATION TILL DATE. WE RESPECTFULLY SUGGEST THAT YOU CONTACT XXXX ( received on 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 explanation
Consumer complaint received 2022-11-16
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Acct : XXXX Tuesday, XX/XX/XXXX To whom it may concern, My name is XXXX XXXX, and I first want to thank you for taking the time to read this letter. Ive had a great experience with Nissan-Infiniti LT , and my goal is to maintain the relationship weve built over the last 10 years. I recently pulled my XXXX, XXXX, and XXXX credit reports and discovered I have 3 late payments that were reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my Lease Payment account XXXX. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time mortgage payment that month. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Up until my medical emergency, I had an on-time payment history with you since my loan was first originated. Additionally, Ive resumed making on-time payments in the months since that point, even enrolling in automatic payments to ensure I dont miss any due dates in the future. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment marks from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: CA
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:
REF : XXXX XXXX XXXX XXXXXXXX XXXX 's has not provided the required documentation that justifies them to be on my credit reports and consumer reports. I've corresponded with them for them to reply with a letter stating this will remain on my report for 7 years, I asked for validation not proof of my current address which they only have because of the mail they've received from me. 

I also disputed it with XXXX XXXX and Experian, and they have not responded either, Well, XXXX said it was verified but didn't provide me with the details of the investigation on how it was verified with what information, is valid and how is it valid, this is getting ridiculous, and these companies are not adhering to the proper procedures that are required by law to my right to fair and accurate reporting. 

I will attach proof of my correspondence with XXXX 's and the letter they sent back to me after I requested validation.

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