BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
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:
I, XXXX XXXX, asked the credit bureaus to do a verification through a thorough investigation of the items listed in this complaint and also listed below on my credit my credit report. They stated that the accounts had been verified as accurate. However, I did an investigation into my credit report myself and found inaccuracies after they did their thorough research. 

Name : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Name : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX In accordance with the Fair Credit Reporting Act XXXX Accounts # : XXXX, XXXX, and 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.

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 2022-03-08
Company: Mid-South Adjustment Co., Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX XXXX XXXX reported to XXXX XXXX 6 delinquent accounts in my name for XXXX Arkansas. I only had 1 account with XXXX Arkansas in my name for medical care i recieved, when I broke my ankle in XXXX. When XXXX Arkansas sent the information to mid south adjusting, they sent each follow up visit as a separate bill/account. I only have 1 account with 1 balance that I'm paying on. When Mid South received the information they reported to XXXX XXXX 6 individual accounts for XXXX Arkansas in my name. The way they are reporting this to my credit report as 6 different accounts is completely unethical and wrong! I contacted XXXX Arkansas, who informed me it had been turned over to Mid South Adjusting, and I would have to talk to Mid South adjusting, when I called Mid South Adjusting, they said I would have to call XXXX Arkansas that they ( Mid South ) couldnt change anything. After 3 rounds of beig referred to the other company I have become completely frustrated. I have tried disputing the information through XXXX XXXX and have gotten no where. Now to top it all off I go and check my credit report for XXXX XXXX and they have listed all of the Mid South Adjusting ( 6 ) as Chapter XXXX wage earner plan account. Yes I was in bankruptcy, discharged in XX/XX/XXXX, but I never added these medical bills to that bankruptcy. I tried to dispute it via XXXX XXXX and and I get no where, it says I already summited a dispute. Oh and FYI I am making {$250.00} a month payments to Mid South Adjusting on a {$6000.00} balance combined 1 amount for 1 account, because they said they could not accept any less than that a month or they would garnish my wages. It is really putting me in a bind, but I'm trying to get this done and when I ask them to correct information I get the run around!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAD REAL BAD FRAUD AND IDENTITY THEFT YEARS AGO AND HAVE HAD SEVERAL ACCOUNTS THAT APPEARED ON MY REPORT THAT WERE ULTIMATELY REMOVED FROM SAID FRAUD IT IS AN EXETER ACCOUNT ON MY FILE THAT SHOULD HAVE BEEN REMOVED AND THE BURERAUS DID REMOVE AND EXPERIAN REMOVED AND PLACED BACK ON.. THE ACCOUNT IS DUE TO IDENTITY THEFT I SUBMITTED POLICE REPORT FROM AROUND TIME WHEN IDENTITY THEFT OCCURED AND SUBNMITTED WITH MY DISPUTE.THE ACCOUNT WHICH IS XXXX XXXX IS REFLECTING CURRENTLY ON MY XXXX AND EXPERIAN REPORTS.

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 2022-03-08
Company: BARCLAYS BANK DELAWARE
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased tickets to the XXXX XXXX concert on XX/XX/XXXX. Due to the pandemic, the concert date has been continually pushed back. On XX/XX/XXXX, XXXX finally announced that she was cancelling all of her remaining concerts due to her health. We worked with XXXX XXXX and they refunded the money on XX/XX/XXXX. I contacted Barclaycard on XX/XX/XXXX to see why the credit had not been applied to our account and was told it could take up to 10 days from the refund date to post. I waited until XX/XX/XXXX to call back when no credit was applied to my account. On this call I was told that XXXX had not refunded the money despise having a receipt from them showing they in fact did. Barclaycard told me I would have to wait. I requested to speak with a supervisor and was told there was no supervisor present and that I would have to be put on a call back list. Upon asking about an estimated callback time, the rep told me it could take 8 - 10 days to speak with a supervisor. It has now been a full week and I've not received a call back and still no credit on my account. The refund amount is {$600.00}.

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 2022-11-13
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: Their investigation did not fix an error on your report

Complaint:
All three credit agencies continue to report erroneous information. There are now reporting a foreclosure on a commercial loan XXXX that had to do with a company XXXX this is continually start a Find My business reporting under my personal name and not my XXXX. I will be seeking legal action for a civil action against all three credit agencies, Experian, XXXX, and XXXX XXXX for continuing to report erroneous miss information. This is a notice and demand to cure this issue immediately I will be seeking civil action against XXXXXXXX XXXX XXXX as well. XXXX XXXX XXXX is also reporting erroneous information of 90 day late when that is not correct there was a forbearance plan due to the Covid act due to an illness and all the payments have been made as agreed. This needs to be corrected immediately by all three credit agencies, Experian, XXXX XXXX, and XXXX. There is liability looming at this point.

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 2023-04-21
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
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:
3 months ago I had my card issued by capital one shut off or fraudulent activity by XXXX and XXXX. When I activated the 2nd card it again was XXXX only charged by XXXX and XXXX and accepted by capital one as being valid so I shut it off again now the 3rd card I've never received interest charges have gone up late payments of been Charged to my account when there was no late fee payments made a been returned and then deducted again bank account numbers of changed when they shouldn't have, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: FL
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:
15 USC 1681 Section 604 States rights to consumer privacy Reporting agencies can not furnish a account without my written consent

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 2023-09-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Section 15 USC 1681 ( d ) ( 2 ) ( A ) ( I ) states that transactions between the consumer and the person/corporation generating the report is NOT included in the consumer reports. However, Experian is currently including this information. This inclusion of excluded data, as outlined in 15 USC 1681 ( d ) ( 2 ) ( A ) ( I ), represents a clear violation of Metro2 compliance standards. I am requesting the Metro2 compliance disclosure regarding the reporting of transactions to a consumer reporting agency. Specifically, I need the transactions reporting as late, collection/charge-offs, and ANY other derogatory information from my consumer reports, deleted from my consumer report effective immediately. 

Please do not respond with this account being " validated '', I want to be clear I am not asking you to validate or verify anything so please refrain from responding with these tactics that waste my valuable time. It is important to note that these accounts have been designated as being in collection/charge-off status WITHOUT providing me with a copy of IRS Form 1099-C, which is required for Cancellation of Debt. This action by Experian and the creditors who are reporting collections/charge-offs, late payments, and other derogatory information in my consumer reports is in direct violation of 26 USC 6050P, Returns Related to the Cancellation of Indebtedness by Certain Entities. 

If the derogatory account information is not removed from my consumer reports within 15 days, I will have no choice but to officially file IRS Form 3949-A : Information Referral and IRS Form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all persons/corporations involved.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting 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:
CFPB- 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.

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 2020-06-08
Company: Experian Information Solutions Inc.
State: AR
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:
It APPEARS XXXX, XXXX, AND EXPERIAN ALL HAS VIOLATED MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT AND THE FAIR & ACCURATE CREDIT TRANSACTIONS ACT. I'VE SENT SEVERAL DISPUTES WITH THE MOST BEING ON THE XXXX WHICH INCLUDED A COPY OF LOCAL POLICE REPORT AND IDENTITY THEFT AFFIDAVIT WHICH INCLUDED SPECIFIC ACCOUNTS THAT WERE FROM THE RESULT OF IDENTITY THEFT XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDU, XXXX XXXX & XXXX XXXX. XXXX, EXPERIAN, AND XXXX HAS FAILED TO BLOCK THE FRAUD RELATED ACCOUNTS UPON BEING NOTIFIED WITHIN 4 BUSINESS DAYS FROM A CONSUMER IN ADDITION TRANSUNON, XXXX, AND XXXX HAS FAILED TO PROVIDE ANY NOR ACCURATE VERIFICATION WHATSOEVER AND HAS DELIBERATLEY IGNORED MY REQUEST TO UPDATE AND REMOVE THE FRAUDULENT ADDRESSES AND INQUIRIES THAT ARE STILL DISPLAYING ON MY CREDIT FROM MY CREDIT FILE WHICH CLEARLY VIOLATES SECTIONS 605B, 609, 611, AND 623 OF THE FAIR CREDIT REPORTING ACT NOT TO MENTION XXXX XXXX CONTINUES TO REPORT A FRAUD RELATED ACCOUNT AFTER BEING NOTIFIED FROM A CONSUMER REPORTING AGENCY WHICH NEVER PROVIDED ANY INITIAL 5 DAY COMMUNICATION WHICH IS REQUIRED BY THE FAIR DEBT COLLECTION PRACTICE ACT NOT TO MENTION IT HAS BEEN OVER 60 DAYS FROM MY INITIAL DISPUTE AND YET NEITHER TRANSUNION, XXXX, AND XXXX HAS BEEN ABLE TO PROVIDE ANY ACCURATE VERIFICATION PERIOD OBLIGATING ME TO THESE FRAUD RELATED ACCOUNTS. I WILL NOT ACCEPT THE TYPICAL RESPONSE OF YOU NEEDING TO CONTACT THE FURNISHER OR YOU NEED MORE SPECIFIC INFORMATION REGARDING THE ACCOUNTS, OR YOU REFUSE TO HONER MY REQUEST BECAUSE IM A WORKING WITH A CREDIT REPAIR COMPANY. THE ONLY REASONABLE SOLUTION WOULD BE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS FROM MY CREDIT FILE SINCE I'VE PROVIDED MORE THAN THE NECCESSARY REQUIRED DOCUMENTS TO SUPPORT MY CLAIM.

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 2021-04-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
i am having a problem getting a copy of my Equifax Credit file. My Lender has requested several times to get a copy of my report and each time they have denied a copy. I called on XX/XX/2021 and Equifax had me fax a copy of my ID and social security card and write a statement asking them to release all holds and freezes after been told to me that there are not any holds or freezes on my account. I have spent three days in a row calling to get to the root of the problem and everyone I speak too says there are no holds on my account and then my question to them is why cant my bank get a copy of my report and why I'm I not able to view it online there answer is always that they need to call the business line. My lender did just that and still wasn't able to get my report they told them to contact me to call Equifax. I again called XX/XX/2021 spend two hours on the line to be told the same thing I was told when I called on the before is that there are no holds or freezes. They told me that I could get a copy mailed to me but it could take 10-15 days. I told them that I have been waiting months and still I have not received the one I ordered in XXXX XXXX and they have my address correct because every time I call i have to answer the security questions and the address is one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This has been a horrible experience it is XXXX I am without funds due to Bank of America closing my account. I called risk and closure on XX/XX/2023 to follow up about me picking up a check at a Bank OF America XXXX when speaking with risk and closure I was told XXXX cleared to pick up the check at any branch just call XXXX & XXXX if there were any issues. I make an appointment to go to the Bank Of America XXXX located at XXXX XXXX XXXX XXXX, CT I get a call from a banker by the name of XXXX who works at the branch she stated during the call she contacted whomever at Bank Of America and was told the check was sent out in the mail and that I could not open any accounts due to this being the bank 's decision. After the call with XXXX I immediately called risk and closure and spoke with a rep about why the check was sent in the mail the rep said the check was sent in the mail due to me not picking up the check on XX/XX/2023 when the rep stated this I found this to be very odd due to the fact that when I spoke with risk and closure there was not a set timeframe for me to pick up the check. Nonetheless, it is XX/XX/2023 XXXX XXXX and XXXX without any funds this is not ok at all bankers and corporate can enjoy their holiday with their families and people like me are without and can not enjoy anything I do not find this to be correct XXXX the victim however XXXX treated as a criminal. For the last month, this has been such a horrible experience no one at Bank Of America can talk or advise no one gives you a call, and most of all no one is knowledgeable about anything I go through hurdle after hurdle not achieving anything just a waste of time and phone calls.

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 2018-03-09
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Since about 6 months before Freedom Mortgage purchased our loan from the previous servicing company XXXX XXXX, we have been inundated with mailings for refinancing to ARM loans and once we read further into Freedom Mortgage practices we discovered that their practice of not reporting on time payments will affect our credit negatively and their online customer service is non operable and there is a {$15.00} fee for over the phone customer support. This is the epitome of a predatory company!

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 2023-02-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I would like to file a complaint against Wells Fargo bank. 

I had savings accounts in my kids names at Wells Fargo bank in XXXX on XXXX, and there were fraudulent withdrawals made from the account. 

I have been trying to get this resolved with the bank for XXXX years, and they keep denying my claim. 
I would like to have the stolen funds returned to my children 's accounts, and the interest to be paid that they lost out on. 

I have all of the transaction dates, account numbers, and even a strange address in XXXX someone used to withdrawal the money from. 
I even filed a police report with the XXXX XXXX  State Police. 

Still, Wells Fargo will not return our money. 

The reference number for the claim filed with Wells Fargo is : 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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXXX Balance : {$400.00} XXXX XXXXX Balance : {$270.00} : XXXX XXXX XXXXX Balance : {$0.00}.

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