BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: TIDEWATER FINANCE COMPANY, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted dispute on XXXX XX/XX/XXXX requesting incorrect information be updated and corrected for an old Tidewater motor credit account from XXXX. Account was reported as charge-off and updated every month currently as late. This information is incorrect and should be reporting as a XXXX balance and bankruptcy discharged XXXX  XXXX. I also attached court documents with dispute reflecting as so. But, dispute returned as accurate and amount owed increased and then Tidewater motor credit reported additional late payments which caused my credit score to decrease XXXX points and damaged my credit and opportunity for mortgage loan approval. I called Tidewater motor credit about 5x on XX/XX/XXXX and was advised I was not found in their system, then I was transferred multiple times. After my fifth attempt, I was given a ( XXXX ) XXXX telephone number. Finally, I spoke with a representative XXXX and I advised the representative of the situation. I sent XXXX at Tidewater motor credit in writing with letter request of validation of debt owed to XXXX email on XX/XX/XXXX. I would like the situation resolved and it be reported correctly to all three credit bureaus as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Security Credit Services, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After speaking to multiple agents for XXXX  and XXXX, they found I had enough reasoning to have the information closed and removed from my credit report. I have given the same information to XXXX  and have been going back and forth with them on an account that does not belong to me that was opened fraudulently. I explained I have lived with my mother all my life and have never had anything in my name under my social and with proper identification they were able to confirm that what I was saying was the truth. XXXX  has made this process very difficult as it has been months I have been trying to dispute this negative fraudulent information. It was only brought to my attention when my home lender caught it in my report when he tried to get me approved for a loan for a house I am trying to buy for my XXXX. It has delayed my process and they still refuse to cooperate and get the information removed and closed off from my report. They have continued to ignore my requests regardless of the information given or any reasoning. 


Security Credit Services Account # XXXX Collection opened : XX/XX/19 Balance : {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
NAVY FEDERAL CR UNION-XXXX-Credit card-XXXX-XXXX-XXXX  have not stop calling me after I send a dispute letter. 

PLEASE APPLY THESE LAWS TO MY ACCOUNTS : THE FAIR DEBT COLLECTION PRACTICES ACT As amended by Pub. L. 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair credit reporting act ( FCRA ) 15 U.S.C1681 ( FCRA )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.

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 2023-03-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account : XXXX XXXX XXXX XXXX : {$420.00} Account Date : XX/XX/2022 Please remove all names other than " XXXX XXXX XXXX '' and remove all previous addresses. 

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

15U.S.C 1681 section 604A. section : 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 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. 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency of 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 2021-08-11
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: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX XXXX XXXX was contacted through XXXX marketplace for a rebuilt transmission. On XX/XX/XXXX the first payment of {$1500.00} was sent, through XXXX, to XXXX XXXX. Following completion of the build, XX/XX/XXXX, the remainder, {$530.00} was sent through XXXX. I was told the part would be shipped the next day. I was told it would be delivered XX/XX/XXXX. No transmission was delivered. XXXX XXXX then informed me it was delayed and would be delivered XX/XX/XXXX. I repeatedly asked for a tracking number that XXXX XXXX was reluctant to give. On XX/XX/XXXX, the transmission was not delivered. I was informed it was damaged in transit and XXXX XXXX would be picking it up from the shipping hub. On XX/XX/XXXX XXXX XXXX reported he had it back in his possession, would repair it, ship it out and provide a tracking number. On XX/XX/XXXX XXXX XXXX informed me he would be shipping it soon. On XX/XX/XXXX he informed me it was shipped but didnt provide a date or tracking number. On XX/XX/XXXX I still had not received the transmission or a tracking number and requested my money back. XXXX XXXX was unable to refund my money totaling {$2100.00}, and has ended all communication.

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 2023-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Check stolen in the mail. 

On XX/XX/XXXX, I received an invoice with a late notice for over 60 days. I wrote the check to the law firm XXXX XXXX XXXX for {$1200.00} and noted in the memo line the invoice # XXXX and the attorneys name, XXXX XXXX, and I put it in the mail to send on XX/XX/XXXX. In XXXX, I received a call from the law firm asking me to check my account to see if my check cleared because they never received my payment but also that XXXX XXXX was a new attorney with the firm and due to that and the holidays the check may not have been attached to the invoice. I did check my account and it showed the check cleared. I never heard any further issue until I received the late invoice on XX/XX/XXXX. 

I contacted my CPA and got a copy of the cleared check and sent to the law firm. They made inquires within the firm about the specific endorsement on the cleared check and they learned no one by the name XXXX XXXX has ever worked at the firm. I immediately alerted my bank, XXXX XXXX XXXX XXXX ( XXXX XXXX ). XXXX XXXX gave me an Affidavit of Forgery and told me the specific endorsement is clearly fraudulent on its face. She also learned the stolen check was processed by Bank of America in XXXX, VA. Bank of America refused to provide any further details without a subpoena. I have no way of suing the thief nor filing a police report bc I have no information about where the check was presented. XXXX XXXX XXXX XXXX is insured by XXXX. Bank of America is insured by FDIC.

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 2023-02-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX 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 2021-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
somebody try to get a credit card under my name and made a hard inquiry in capital one on XX/XX/20XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: Bread Financial Holdings, 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:
In accordance with the fair credit reporting act Accounts with XXXX XXXX XXXX account # ending in XXXX Shows a late payment in XXXX of XXXX. XXXX ( account # ending in XXXX ) has violated my rights. showing a late payment in XXXX of XXXX. 

15 USC 1681 Section 602 states that i have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. also I read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something please called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a credit site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything are missing or not correct on them. 

I demand the following accounts be verified or removed immediately. 

Name of Account : XXXX Account Number : XXXX Verification : cancel contract.Please provide the original contract or delete I also read where i can get the updated report after investigation this from the Free lawyer guy Could you please send it to me? Also. Please let me know who had access to my file 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 2023-02-01
Company: EQUIFAX, INC.
State: WV
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 recently received a copy of all three of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/21, I received confirmation from US Bankruptcy Court XXXX District of PA that they DO NOT provide any type of information to credit reporting agencies. 

On XX/XX/21, I received confirmation from XXXX XXXX that a security freeze has been placed on my file per my request as I was recently a victim of identity theft. 

On XX/XX/21, I received results of dispute with Equifax in which they stated their investigation confirming a bankruptcy filing was reported to them by XXXX XXXX. I then sent a request disputing those results as inaccurate. 

On XX/XX/21, I received results of dispute with Equifax again in which they stated their investigation confirming a bankruptcy filing was reported to them by XXXX XXXX. 

I am requesting this item be deleted from my credit file with Equifax as they have violated the FCRA in falsely reporting information. 

See attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C systems is attempting to collect on a medical debt they erroneously acquired by XXXX XXXX XXXX XXXX NC, LLC but has refused to provide me with any documentation or proof of service. Before it was erroneously sent to collections, a false claim was generated for services which did not take place. The erroneous claim was also sent to my primary insurer, who partially paid for services that were not rendered and were submitted fraudulently. XXXX XXXX was attempting to bill for services that did not take place, successfully billed my primary insurance anyway, and then sold a fraudulent debt to IC Systems. There was no service and therefor no bill could have been generated without committing insurance fraud. This has been an ongoing problem with surprise billing, balance billing and insurance fraud in North Carolina, specifically with XXXX XXXX XXXX XXXX NC, LLC when they provide services through XXXX XXXX facilities. Additionally, XXXX XXXX XXXX, LLC did not contact me before selling this to collections, so I had no opportunity to correct the situation at the time of error on their part. I have requested itemized statements from both IC Systems and XXXX XXXX XXXX XXXX and they have refused to provide them unless I mail a letter requesting it. I have sent two letter to the address provided and both have been returned to sender as undeliverable.

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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Someone is attempting to open accounts in my name which is fraud. Please delete these request.

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 2022-10-07
Company: Experian Information Solutions Inc.
State: DC
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-06-29
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:
The following accounts must be deleted from my consumer report. This is a violation of 15 usc 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I NEVER GAVE WRITTEN CONSENT AND THAT IS FRAUD. Failure to respond satisfactorily with deletion of the referenced account and also a free copy of my report after the changes have been made will result in actions being taken against your company. 

i'm actually the person sending in my own disputes to the Consumer financial protection bureau, Federal Trade Commision, Attorney general, Experian, XXXX and 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 2022-11-07
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: Account information incorrect

Complaint:
I paid off an XXXX XXXX account XX/XX/2021. This account is showing a balance as well as a late payment which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Since 2015 I been requesting an investigation from XXXX XXXX trans union regarding my consumer report Via credit repair services. For years now I been subjected to inaccuracies, miss information and errors on my consumer reports due to the credit bureau. Title15 USC 1681 ( 3 ) protects my right to consent and privacy. Credit bureaus do not have written consent to report anything regarding me nor do they have my permissible right.

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 2021-08-09
Company: Experian Information Solutions Inc.
State: LA
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 an account from XXXX XXXX XXXX I have no knowledge of this account it isnt mine!

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