BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I never was late in XXXX and XX/XX/2023 per 15 USC 1681i ( 5 ) I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding the late account reporting on my credit report for the months of XXXX and XX/XX/2023. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe that this reporting violates my rights under 15 USC 1681i ( 5 ). 

I have reviewed my credit report, and it has come to my attention that the above-mentioned creditor has reported my account as late for the months of XXXX and XX/XX/2023. However, I would like to assert that this reporting is inaccurate, and it is adversely affecting my creditworthiness and financial standing. 

Under 15 USC 1681i ( 5 ) of the FCRA, I have the right to dispute any inaccurate information that is being reported by a credit reporting agency. I am hereby requesting an investigation into the accuracy of the late account reporting for XXXX and XX/XX/2023. My reasons for disputing this information are as follows : I kindly request that you conduct a thorough investigation into this matter as soon as possible and make the necessary corrections to my credit report if it is determined that the late account reporting is indeed inaccurate. Additionally, I request that you inform me of the results of your investigation in writing and provide me with a copy of my updated credit report once the necessary corrections have been made. 

Please consider this letter as a formal request to initiate the dispute process under 15 USC 1681i ( 5 ). I understand that you have 30 days to complete your investigation, and I look forward to a prompt resolution of this matter. 

Thank you for your attention to this dispute. I am hopeful that the CFPB will help ensure the accuracy of my credit report and protect my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXXXXXX : account states closed : Loan account XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX account states closed : opened XX/XX/XXXX XXXX XXXX XXXX  : account closed : opened XX/XX/XXXX XXXX XXXX XXXX  : account closed : opened XX/XX/XXXX XXXX XXXX XXXX XXXX : account closed : opened XX/XX/XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: GA
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 reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report XXXX- XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX  Account XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THESE COMPANIES and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof BY LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Been fighting Experian and XXXX for three years to report correct information. We supplied Experian, XXXX and XXXX with a FAXED ( right from XXXX   ) paid in full letter from the creditor XXXX XXXX XXXX, ( attached ) showing that the date paid in Full, XX/XX/XXXX was before the, " as of delinquency reporting in XX/XX/XXXX '', and there was no balance, of {$120.00}, yet they refused to remove the inaccurate information and update accordingly. I also complained to XXXX, multiple times in which they sent me the Paid in Full letter again and claimed they were going to contact the bureaus. I also filed a complaint with CFPB which I didn't get any accurate results and just the runaround. I had to file again with the XXXX against XXXX XXXX XXXX in XX/XX/XXXX in which they responded and sent me a letter claiming they had corrected my Credit reports ( attached ) and that I was in good standing dated as of XX/XX/XXXX, yet a month later I applied for credit and this account was showing up 90 days late, through a third party creditor but getting information directly through the main bureaus. XXXX the only ethical bureau at least removed the account from my report in XX/XX/XXXX. During this time I have had to get many loans with my credit compromised due to these Credit Bureaus not doing their job and abiding by the law. I has cost me money by having to have a higher interest rate as some scores were different by as much as 50 points with basically the same profile. XXXX, has claimed they contacted the Bureaus many times to report correctly, with no results and this went on for 3 years so far. I do not understand how this is lawful business.

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 2021-12-17
Company: Exeter Finance Corp.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good, XXXX XXXX XXXX and EXTER FINANCIAL LLC/CORP ( still reporting ), I have NOT AUTHORIZED any reporting, nor should be reporting on my report, they have no permissible purpose or my written consent and from I XXXX the natural person. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character, in addition to the infringing on my Constitutional rights : To my privacy and security in my papers. They are very much liable for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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:
XXXX  XXXXXXXX XXXX XXXX  XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( 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 explanation
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
original creditor was XXXX XXXX XXXX XXXX XXXX XXXX and this credit card was opened with a {$300.00} balance .. ordered products on XXXX XXXX XX/XX/XXXX - Order No. XXXX and they were not rec 'd - reached out to the seller to dispute the delivery and was not able to get in touch with anyone - reached out to the card company and disputed the non delivery and not sure what happened from then. Now they are saying that I owe {$610.00} .. this amount is highly incorrect .. the card only had a {$300.00} balance and that amount was disputed. was not able to get anywhere with the retailer nor the card company and have since been going back and forth with different companies who buy this debt trying to explain this issue over and over - XXXX XXXX closed the account .. it is showing on my report as Open .. this is incorrect also - the company currently with this debt is called XXXX XXXX XXXX and last reported was XX/XX/XXXX and this is incorrect - account reaged - shows the account was opened on XX/XX/XXXX but that is also not correct - reaged .. meanwhile it is still on my credit report as a collection - please help me to have this removed as soon as possible as it is an incorrect amount and also incorrect information .. I also believe that this account was reaged to remain on my report. please help me to remove - trans union file number 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 2021-12-17
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage bought my mortgage without my knowledge or permission. I believe this to be lawful but sad to the customer. Starting in XX/XX/2021 I have asked multiple times to have an analysis completed of my escrow balance. I believe the amount in the account is extremely high. Each time I request this I waited the allotted time in which the mortgage company informs me that it takes to complete this analysis and every time it is never done. I have made 5 calls from XXXX - XX/XX/2021 and then again today XX/XX/XXXX. Each time the representative " sees '' the request but that is it. They have nothing more to offer other than yep, we see it. The work to actually do the analysis is never done. I believe surplus in my escrow is an excess of {$7500.00}. The first 2 calls in XXXX and XXXX Freedom Mortgage claimed they could not see my escrow details in their system but I could see them on their website. Again today, they are requesting the analysis AGAIN. No results.

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 2021-12-17
Company: Experian Information Solutions Inc.
State: MD
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 recently reviewed my credit report and have noticed some accounts that i am not responsible for. I disputed with the companys responsible but did not get the results expected. See attachments

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 2018-08-23
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account not knowing at first who it was. After research I realized it was from an apartment I rented over 5 years ago, that I never missed a payment nor was late ever. When I moved out I spoke with front office giving them a month notice saying they could keep my deposit.I was told that everything was fine. I even called original company and was told I don't owe anything. This company that is trying to collect a debt from me that I have never even heard of for the amount of XXXX. This is insane and I have never even spoke with them and never have I even received any notice from them. This is all unauthorized and is breaking the law by damaging my credit with false reporting. I want this issue deleted from all 3 credit reports instantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted TransUnion about inquiries that's on my credit report they did not want to help me I typed up removal letters twice and sent them in the first time I sent it in the removal letters they removed all of them and the next day they put 38 more on my credit report the second time they refuse remove them I did the same approach I typed up removal letters and they do not want to remove them and they won't reach out to none of the creditors they say it's my job which I have and I'm telling TransUnion don't none of them have my authorization or my signature to run my credit

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 2023-08-18
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2021-12-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have items on my credit report that are showing negative I have sent numerous complaints to the credit bureaus for clarification and I have not received any responses wether by phone mail anything I have also ask for clarification from the alleged creditors at which time I was told if I dispute these items I would be sued which is against the fdcpa false or misleading information I learned this after I did some research

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 2021-07-23
Company: WHEELS FINANCIAL GROUP, LLC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
I received part of the loan. I received {$2300.00} out of {$3000.00}. Was told that's just the way it is. I said to take the money back and they refused. This was on XX/XX/2021. It's been an on going feud since then. They call with harassing phone calls saying hey XXXX payments due. They refuse to send me the loan documents. They lied to the XXXX Attorney Generals office about the situation and it just keeps getting worse. They are harassing me and still won't show any paperwork validating the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Since XX/XX/2020 i have been tryna cash out {$2500.00} my cash app but it won't connect to my XXXX XXXX account. I have asked cash app to reopen my account so i can link my bank but they will not take any actions to help me. That money was to be use for my kids medicine. I would greatly appreciate tour help with this matter i just wont to get my monwy and be done with cash app. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: ADP Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
In XX/XX/XXXX between XXXX XXXX there were multiple charges on my card from food companies and store companies that I never used or made purchases from. 

Once I noticed the card was missing I called and canceled it and also made a police report. The company Wisely says I made these purchases WHICH I DID NOT. It was over {$900.00} spent out of my account during this time for FOOD!! and 90 % of the food is out of state purchases. None of these company 's used my pin number for the purchases seems like online purchases. I dont know, just a guess on how this happened. I do not have accounts or associations with these company 's in anyway ever. Also its hundreds of dollars spent per day on fast food. I'm a YOUNG homeowner would never spend my money recklessly this way. 

These are the charges im not getting my money refunded for : XX/XX/20 XXXX {$25.00} 1XX/XX/20 XXXX XXXX {$31.00} XX/XX/20 PIZZA {$32.00} XX/XX/20 PIZZA {$35.00} XX/XX/20 XXXX  XXXX  XXXX {$53.00} XX/XX/20 XXXX  XXXX  XXXX  {$53.00} XX/XX/XXXX XXXX  XXXX  XXXX {$35.00} XX/XX/XXXX SP* XXXX XXXX {$84.00} XX/XX/XXXX XXXX  XXXX  {$140.00} XX/XX/XXXX XXXX  {$120.00} XX/XX/XXXX XXXX* XXXX  {$98.00} XX/XX/XXXX PX XXXX  XXXX {$37.00} XX/XX/XXXX XXXX  {$20.00} XX/XX/XXXX XXXX  {$25.00} XX/XX/XXXX XXXX  {$36.00} XX/XX/XXXX XXXX  XXXX  XXXX  {$61.00} XX/XX/XXXX XXXX XXXX  XXXX  NY {$20.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: U.S. BANCORP
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Today, I signed on to usbank.com to use the bill pay service. I had notifications on 2 of our credit card accounts with them that both showed those accts hadn't been paid since XXXX! In my investigations and conversations with their reps to find out why I had not received paper bills for these accounts, they informed me that they were changed to e-statements only. I did not make this change and have declined paperless statements many times, which my account record would show. Our granddaughter has one single account under the umbrella of our accounts but is only in her name. It looks like when she requested ebills for her account, something she clicked made ALL of our accounts paperless EVEN THOUGH SHE IS NOT ON ANY OF THOSE ACCOUNTS. We have worked very hard to bring our credit rating above 800 and now it will show 30, 60 and possibly even 90 days late on 2 of our accounts as they haven't been paid since XXXX due to my not having a paper bill in my hands. They did credit one of the accounts the late fees but not the other one. Not to mention I had to pay nearly {$400.00}. all at once, today, to bring those account current. There has been extra interest incurred on both accounts due to not having the principal lowered for all of these months. How dare they allow someone who is not even on those accounts make this type of change on them?! I am furious and will be closing all of our accounts at USBank as soon as I can. I would do it this very moment but there are pending charges, so I have to wait until they all clear. I will then use the next balance transfer offer I get in the mail ~ and believe I get a lot of those! ~ to transfer all credit card balances away from US Bank. They will not earn XXXX XXXX more from me that I can avoid. It is unconscionable for them to allow changes to be made to any account by anyone other than the account holder ~ and then to hold us responsible for the extra interest and late fees associated with said changes is appalling. Do I have any recourse?

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