BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed this issue 2 times the incorrect late payment statuses with XXXX ( Formerly XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The problem is that during the start of the Pandemic I took advantage of a program with XXXX that allowed for automatic debits to come out of my account to ensure the account would be paid on time. I have bank account statement proof showing the amounts came out on time, but they are not showing paid on time on my credit report and XXXX refuses to update them. XXXX, XXXX and XXXX of 2020 are not delinquent, but they are still showing they are. Important note- XXXX boughXXXX out XXXXXXXX XXXX XXXX but is not taking any responsibility for the programs or transactions made from XXXX customers prior to that acquisition. This is an unfair business practice. I have tried multiple times to dispute this as these delinquent payments are negatively affecting my ability to have a better credit score. 
I am filing a complaint now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting 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 a victim of identity theft. I filed the correct paperwork according to the FCRA and disputed my credit reports. These disputes are not being processed correctly and my paperwork is not being attached. And I am not getting copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was threatened, called and harassed about these debts. I had lost my job and was in-between when some of this was happening and I tried to make payment arrangements but nothing worked and now my credit is damaged. I have worked so hard over the last 2 years to pay all bills timely and even to establish additional credit cards to build my credit. After I paid these items that I am referring to, I also took the time to call each and ask that they remove these damaging remarks from my credit report and I also called all 3 agencies to request they are removed as well. Please assist me with getting this corrected. I am a XXXX veteran and while I am privy to benefits this isn't one of them. I am trying to purchase my forever home and at a time where I can enjoy it. Please help!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2019-03-24
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX contacted me in early XX/XX/XXXX regarding a balance I owed of {$600.00}. I told them I would pay it. I made the payment through my HSA with XXXX XXXX, check # XXXX dated XX/XX/XXXX for {$600.00} was paid to XXXX XXXX XXXX XXXX. I have a copy of that check indicating they deposited it on XX/XX/XXXX. I received a collection notice from Capital Accounts dated XX/XX/XXXX indicating I owed {$600.00} to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. I mailed my response to Capital Accounts with a copy of the cancelled check. I then received notices that there was a new account on my XXXX and XXXX credit reports. Upon investigation I see the new account was the debt collector, Capital Accounts. I filed disputes with both XXXX and XXXX. I then received another bill from Capital Account dated XX/XX/XXXX stating I owed {$820.00} to XXXX XXXX XXXX XXXX. This amount is incorrect, as the original bill was {$600.00}, which was paid. I have not visited XXXX nor incurred any new charges to warrant the increased amount. I receive a response from XXXX dated XXXX/XXXX/XXXX stating verified as accurate even though I provided proof that I paid {$600.00} to XXXX  on XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had a credit card XXXX  that was opened on XX/XX/2022 and in perfect standing. It was removed from the report and my score dropped over 100 points. I cant get an XXXX from anyone at the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Ability Recovery Services, LLC
State: VA
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:
I am a person of identity theft I have filed a police and report and FTC report and still receive fraudulent activity 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 2023-03-12
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My new mortgage servicer, XXXX XXXX has been sending letters saying they needed proof of my homeowners coverage. I provided this information to them on XX/XX/XXXX and XXXX following a letter they sent each time. My loan originator XXXX XXXX  also confirmed they sent them a copy of my homeowners insurance policy. 

I confirmed with XXXX insurance that they are listed as the mortgagee - XXXX XXXX was actually the ones who changed this on my policy. XXXX which is the company they want to be listed on the policy is there and present. I can't reach anyone on the phone to resolve this. 

On XXXX I received an e-mail from XXXX XXXX that they had purchased a second Hazard policy on my behalf through XXXX XXXX in an amount of {$3500.00} that I am now liable for apparently. I again sent them a copy of the policy that names them as the mortgagee that they already requested from XXXX directly on XX/XX/XXXX. This seems like some kind of a scam for them to purchase insurance on their own and stick the homeowner with the policy ( which is almost double of what I already paid out of pocket for with 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 2023-04-24
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I contacted this company numerous times after I paid my debt in full. They have numerous times spoken to me with attitude, bad language or have hung up on me. I asked to speak to a manager and manager would not get on or when a manager did they said they would send me a letter and not help me in anyway. I contacted to get the account removed from my credit bureau as I have spoken to all 3 bureaus and they are awaiting the debt collector to respond and they dont. I paid XXXX in the account, paid in full. I contacted them XXXX XXXX and XXXX. I sent a letter to their office and all and they arent willing to remove the account. According to the FCRA, credit bureaus and collection agencies are required to report only accurate and verifiable information. Furthermore, any information that can not be verified as accurate must be removed from my credit report as well as paid in full. 

Therefore, I respectfully request that they remove this paid collection account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX, my husband and I opened XXXX separate checking accounts on Truist 's website. My application # is XXXX, and my husband 's application # is XXXX. We didn't get approved immediately. The result we received were " Whoops. It's taking a bit longer than usual to get your account details ready. '' However, until now I didn't receive any email or mail regarding our checking account details. We only received XXXX emails ask us to make deposit into our accounts. But we are not able to do so because we do not know our checking account numbers. We are not able to create online banking either because we do not know any information of our accounts ( debit card number or account number ). We called customer service, spent XXXX hours on waiting and finally spoke with representative. They didn't know what's going on either. They asked us to go to a brach, but the nearest branch is XXXX hours of driving.

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 2020-03-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting a XXXX XXXX account with a balance still owing, but this debt was dismissed without prejudice in court. I filed proof of this document from the court, but they are still reporting it with a balance due. It should not be reported at all and not with a balance owing. I will attach copies of documents if I can here to this complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 



Closed Accounts : XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any 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 non-monetary relief
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX XXXX, IL XXXX and the following needs to be removed as well, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance Owed : {$56000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$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
Consumer complaint received 2021-05-24
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: WELLS FARGO & COMPANY
State: CA
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: Problem with personal statement of dispute

Complaint:
To whom it may concern, My underage daughter had a teen checking account with Wells Fargo Bank. I, her mother, was named on the account as required by the bank. She was involved in a fraud situation ( several Wells Fargo customers had been victims of the same scammer ) that drained/overdrafted her Wells account by about {$3000.00}. We settled with the bank a Wells representative offered us the option to share the responsibility so we made good on the money owed ( about {$1500.00} ) and the representative NEVER suggested that this settlement would cause longer-term problems. But Wells and other institutions have flagged her through XXXX XXXX XXXX and not one will let either of us open accounts. This is disastrous for a new college kid with a good and responsible track record. We have submitted disputes through XXXX XXXX XXXX and Wells returns to say they will not overturn the flags. XXXX then recommended we we reach out to FTC and CFPB in this matter. All we want to do is get her back on her feet with a bank account ( I can submit another record in her name ) but this affects my record as well so XXXX seeking to get myself cleared as well. We are not dishonest people. We pay our bills and have proven ourselves to be successful and responsible individuals. Some person took advantage of my daughter and our financial health is compromised simply by way of the inability to open a basic bank account. Desperately hoping to find help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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:
USAA FSB partial account number XXXX ( page 17 of the attached credit report. ) is incorrectly reporting to XXXX ; XXXX and XXXX a late payment in XX/XX/2019. I contacted USAA FSB and the representative I spoke to, her name was XXXX admitted that a mistake was made and that the reporting of the late payment on our credit report is incorrect. XXXX told me even though the mistake is on their end, she said they do not have the means to give us a forgiveness letter, nor do they have the means to contact the credit bureaus to have the late removed. They sent us a dispute form ( copy attached ) that we filled out and did send back to USAA FSB for them to review. We demanded a correction and after a very lengthy telephone call, approximately 2 hours, the call ended with the representative from USAA FSB for me to call us back in 1 to 2 days to get an update. We have not yet heard back from any representative with USAA FSB and the incorrect reporting is still showing up on our credit report. This incorrect reporting is harming our credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief