BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-02-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
USAA Bank/Insurance due to a system error by USAA charged our account twice for an insurance payment once on XX/XX/XXXX XXXX XXXX  and once on XX/XX/, XXXX  Refuses to refund money ( it is the same company USAA Bank and USAA Insurance ) continues to say it will take 10 days to investigate the dispute. Continues to return automatic payment for insufficient funds and causing us to receive returned item fees from the companies the payments are returned to and causing damage to out credit because it shows we have missed/paid late on these credit accounts. Refuses to agree to cover the fees that are caused due to their mistake not ours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: DC
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 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 2020-04-25
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I had a hardship & was in between jobs. And made a payment late, i sent over a goodwill letter asking them can the reporting be fixed. They sent a letter stating i need to reach out the credit bureaus. But i know they are reporting to the credit bureasus thats why i went to the creditor themself. This is really affecting my score this late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All XXXX credit reporting agencies are DISREGARING ALL THE PAPERWORK I HAVE SUBMITED ONLINE AND VIA US MAIL. THE RESPONSE IS WE HAVE RECIVED YOUR PAPAERWORK, BUT HAVE NOT UPDATED ANY RECORDS OR INFORMATION I HAVE ALLOWED THE 30 DAYS EVEN UP TO 45 DAYS TO INVESTIGATE AND PROCESS INFOMATION PER FAIR CREDIT ACT REGULATIONS PLESE HELP ON THIS MATTER, I AM A SINGLE MOTHER OF XXXX AND LOOKING TO PROVIDE AN ADDITIONAL INCOME FOR MYSELF AND XXXX CHILDREN. THANK YOU IN ADVANCE BEST, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 pay {$29.00} to gain monthly access to all 3 of my credit reports. Transunion has continually denied me my credit report / Score and access to enter disputes and update my employment status as well as adding a personal statement to my credit report about how Covie-19 negatively affected me. This is my report and I should have access to it. 

I am requesting immediate access so I may dispute inaccurate information online. refusing to allow me to do this has had a huge impact on my credit score.

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 2022-10-21
Company: EQUIFAX, INC.
State: MA
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:
contacted said company several times to resolve this matter but they are refusing to assist me & are being extremely rude and callous to my needs. I currently have an open dialogue with the loan manager at the bank & they're still refusing to correct the information being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: TX
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:
FCRA violations : inquires not mine XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX. 
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$940.00} Status Account charged off. {$670.00} written off. {$940.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Account charged off. {$540.00} written off. {$620.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$330.00} XXXX XXXX account. {$330.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2100.00} XXXX XXXX account. {$2100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1300.00} XXXX XXXX account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$650.00} XXXX XXXX account. {$6.00} XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} Status Account charged offXXXX XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$790.00} Status Account charged off. {$790.00} written off. {$790.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : not my names XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: TX
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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:
Dear Sir/Madam, I am writing to follow up on my previous dispute regarding the inaccurate information that is appearing on my credit report. It has been brought to my attention that Equifax has completed its investigation, but I am disappointed to learn that the inaccurate information remains on my credit report. 

As I mentioned in my previous correspondence, this collection is not related to any transaction that I made, and I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. Additionally, I believe that the inclusion of this inaccurate information on my credit report is a violation of the following codes : [ 15 US C 1681 section 604 A Section 2 ], [ 15 USC 1681 Section 602 ], and [ 15 US code 5 1681b ]. 

Therefore, I am requesting that you take immediate action to remove the inaccurate information from my credit report, specifically the account related to the trade XXXX  - XXXX XXXX  with the account number XXXX. Furthermore, I request that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report, with the XXXX XXXX XXXX XXXX  account completely removed from it. In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. 

Please be advised that I am willing to take all necessary legal steps to rectify this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if necessary. I hope that it will not come to that, and that we can resolve this matter in a timely and efficient manner. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ] CFPB Codes : Bulletin 2013-1 Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA Section 1681b of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2023-02-03
Company: EQUIFAX, INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I owed a {$3000.00} debt to XXXX XXXX  to XXXX and equifax. I disputed it with equifax and theyare the only one not to remove the credit off my account. This is a case of fraud on my account and im trying to start my credit junory but this is stopping me for continuing with my life. I have uploaded a picture showing the disputes i have uploaded and you can see the dates. They have not even took the time to review the case. The results of there case was that im still at fault. How could i be at fault for fruad?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2021 I contacted XXXX to inform them of a change of bank payment that needed to go in effect for the next payment. The next payment was due on XX/XX/XXXX. XXXX attempted to use the old account charged me a {$29.00} fee. I contacted XXXX on XX/XX/XXXX regarding the reminder of the change of account. After frustration, I manually paid the account. On XX/XX/XXXX I checked my score which dropped XXXX points because they reported a late on my report. I contacted XXXX and they apologized and said the late would be removed due to the error on THEIR PART within XXXX days. They also agreed to remove the late fee of {$40.00} and offered me a gift card for THEIR ERROR! 

I have included a screenshot of the account as well. XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: BlockFi Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a follow-up on my prior complaint with blockficom so if you look prior you will see a complaint. 

Now they are supposedly allowing people to withdraw their cryptocurrency however the problem is is that they require a verification that in my opinion and experience of trying over and over XXXX plus times is impossible to meet. 

I have submitted as per their directions a front and back of my driver 's license which is a brand new driver 's license that has my current information on it. 

I've tried with multiple smartphones and also my computer with different cameras to take pictures of the front and back of my driver 's license. 

I have also scanned the front and back of my driver 's license and made sure that the doctor inch where is high resolution as possible to meet the verification. 

No matter what I've tried it always says at the end that it can't verify my Identity or can't verify the photos. 

I have also reached out to blockfi.com customer service and they were at no help at all is it didn't even look like they knew what they were talking about. They responded that I tried to upload pictures of a national ID and not a driver 's license which is not true it is a driver 's license and I have pictures to prove this.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
Greetings, I have been contacting the 3 credit agencies about some accounts which were not created by myself or anyone I know reporting on my credit reports. 

I've sent all the documents they have requested to do a proper investigation and sent it by certified mail each month for the last 3 months and they still have not removed these fraudulent accounts which were not created by me. Every time I call and reach out to ask about the investigation, the company says they have either not received my information and I need to resend it, or they just do not respond to the investigation entirely, and I am fed up because this is hurting my ability to obtain credit and move on with my life. I am trying to get these accounts removed because they are not mine. Here are the details of the disputes I have submitted. 

I sent my last round of disputes by certified mail on : XX/XX/2023, I sent in the disputes and they have still not gotten rid of these student loans 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 non-monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to 15 USC 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
The account XXXXXXXX XXXX XXXXXXXX has been closed so how is late payments still being reported? That is a violation of my consumer rights. Also if any late payment has been reported the company mustve sent out a letter 21 days before the payment due date, if the company has did that Im requesting them to provide proof of delivered letter 21 days before payment date or the account to be removed from my credit report for violating 15 USC 1666b & 15 U.S.C. 1681 ( A ).

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 2023-12-02
Company: EQUIFAX, INC.
State: CA
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:
Dear Equifax I see that you verified the account listed below : XXXXXXXX XXXX XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Kikoff Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
didn't open account don't know what kikoff is caused my credit score to go down want removed and credit score fixed back to XXXX fix my credit score back to XXXX remove kikoff never opened it don't know what it evan is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: MD
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Previous complaint number XXXX We deposited a mobile deposit check on XX/XX/22 for XXXX from a magistrate on XX/XX/22 it was taken out of my account from Wells Fargo stating it was a duplicate deposit with XXXX  XXXX I contacted XXXX  XXXX and it did not process because it was already cashed through Wells Fargo I've done 2 disputes and they continue to close them I want my money back the magistrate confirmed Wells Fargo did indeed cash this and they have the money Wells Fargo responded with sending the credit to XXXX XXXXXXXX but XXXX  XXXX did not cash that check so I need the funds put back in account it came out of

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