BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting inaccurate information about balances that I do not have. The following information is being reported and is inaccurate, {$2700.00} balance that includes but not limited to {$1100.00} reletting charge, {$810.00} carpet replacement, {$85.00} cleaning fee, as well as a {$75.00} late fee and additional interest when I do not have a contract with the collection agency in order to charge interest nor do I have an open account with them. I gave notice upon moving out so the reletting charge is invalid, carpet had no major stains or damages normal wear and tear and the tenant can not be charged full carpet replacement for normal wear and tear. I was not given a billing statement until after move out so I was unaware of amount to be paid in which I requested for amount and was not given a correct statement until I received a collection letter, therefore I will not pay a late fee for an error I did not cause. I have sent pictures and videos of the move out report proving no damages and the apartment was left in much better condition than when I moved in. This company has refused to do whats right for a XXXX and it affects me. I want a resolution as soon as possible as I have been fighting this for 2 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I AM ONLY LIABLE FOR THIS DEBIT WITH XXXX XXXX XXXX AND I DO NOT HAVE A CONTRACT WITH XXXX XXXX. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED. I CONTACTED THE ORIGINAL CREDITOR, AND I SETTLED THE AMOUNT WITH XXXX XXXX AND PAID THEM IN FULL. THEY AGREED TO REMOVE THE COLLECTION ACCOUNT FROM MY CREDIT REPORTS FROM THE THREE CREDIT BUREAUS. I BELIEVE THAT XXXX XXXX ARE SCAMMING, BECAUSE I ALREADY PAID THE ORIGINAL CREDITOR XXXX, AND I DO NOT HAVE A CONTRACT WITH XXXX XXXX. I DO NOT HAVE ANYTHING TO DO WITH THEM. THEY DO NOT HAVE ANY RIGHT TO KEEP THE COLLECTION ON MY REPORTS WHEN I HAD AGREED WITH THE ORIGINAL CREDITER TO PAY AND DELETE. I DEMAND THIS ACCOUNT BE DELETED FROM MY CREDIT REPORTS IMMEDIATELY.

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 2023-12-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention a matter of serious concern regarding what appears to be numerous, rapid attempts to correct the reporting status of late open accounts on my credit file. While I appreciate the swift action, I am deeply troubled by the frequency and speed at which these corrections are being made, as they seem disproportionate and raise questions about the accuracy of my credit report. 

I have noticed several instances where the reporting status of late open accounts on my credit report has been corrected at an unusually fast pace. While I acknowledge the importance of accurate reporting, the speed and frequency of these corrections have raised concerns about the thoroughness of the review process. 

Despite the rapid corrections, I have not received any communication from your agency seeking verification or authentication of the changes made. The absence of proper verification procedures raises questions about the accuracy and reliability of the reported information. 

I request an immediate and thorough review of the corrections made to the reporting status of late open accounts on my credit file. I seek transparency and assurance that each correction has undergone a comprehensive verification process to ensure the accuracy of the information. 

I kindly request that your agency provide me with a detailed explanation of the procedures followed in correcting the reporting status of these accounts. Additionally, I would appreciate regular updates on the progress of any ongoing investigations into these matters. 

To facilitate your review, I have attached relevant documents. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: AR
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:
XX/XX/2023 A letter was received that the credit bureau ( Experian ) sent to me on behalf of XXXX XXXX XXXXXXXX stating the application # XXXX received XX/XX/2023 from the car dealership XXXX XXXX of XXXX, when I applied for a loan and it was not approved by XXXX XXXXXXXX XXXX. The problem or complaint that I have is that the letter had my full social security number on this letter. Today, XX/XX/2023, I called XXXX XXXX XXXXXXXX and they told me that letter came from the bureau ( Experian ). I was alarmed that my full social security number was on this letter. I have never seen such a thing. I tried calling Experian but automated voice would like allow me to speak to a live person to explain that they sent a letter with my social security number. Needless to say I am really disturbed about this with all the fraud that comes up, it's not a wonder this stuff happens. If you can help me resolve this I would be grateful. I have the letter to prove my social security number is exposed in this letter. Thank you for your attention!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
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: Account status incorrect

Complaint:
Due to my husband 's business experiencing a loss because of XXXX, I fell behind on my XXXX  Bill. I contacted them in XXXX, and they provided me a Covid hardship payment plan which closed my account and I would continuing posing the balance each month. Every month XXXX  and XXXX  have reported the account closed. However, Experian has reported inaccurate information. I have spoken to both parties and submitted disputes. They will not correct the infraction.

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 2023-06-09
Company: EQUIFAX, INC.
State: AZ
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: Carvana Group, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
I traded my vehicle in to carvana. That vehicle had low miles and NO ISSUES whatsoever. The vehicle I received in return has had SECERAL ISSUES that I made carvana aware of. I got the vehicle in XXXX of XXXX and it had XXXX miles on it. Today, XX/XX/XXXX it has XXXX miles on it because I haven't been able to drive it the majority of the time I've had it. It has been in and out of the repair shop. When I tried to add the carvana care ( extended warranty ) it did not give me the option... which I would also like to note that the vehicle that I was trading into did not offer it either. The previous repairs were covered under their XXXX XXXX XXXX  warranty and the vehicle was put into the shop on the very last day of that warranty. Fast forward to present, a supervisor named XXXX approved me to trade the vehicle in buy when the new vehicle was to be delivered, they refused. The field rep named XXXX told me that my best bet was to do a voluntary repossession. I told her that would ruin my credit and she shrugged her shoulders and proceeded to drive away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX have attached my full complaint down below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE 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:
XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  number XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accordance with the Fair Credit Reporting act XXXX  Account # 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 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 2023-02-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In or around 2019 I had a bank account that I used to pay my bills, I had payed the water bill but the water company didn't receive the payment, the money had been withdraw from my account, I got in contact with them, my water was turned off as u didn't know they didn't receive the payment and my bank never finished their investigation, I only received XXXX letter saying they where investigating.

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 2022-10-26
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: Their investigation did not fix an error on your report

Complaint:
This is regarding an existing issue with XXXX and Experian XXXX  account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements.XXXX I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2021-08-02
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: Personal information incorrect

Complaint:
Have disputed my consumer statement with Equifax numerous times to have it completely deleted, but to no avail. All I want is for Equifax to clean-up my credit report and completely delete my consumer statement asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: MI
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 is problematic. Dipsuted information still has no been removed, they refuse to provide credit score and report unless you pay ... which I did and still can't get resolution. XXXX/XXXX  is not a valid debt. XXXX has sent me validation of cancelation of policy, emails, proof of credit they owe me and STILL it is not removed as derogatory on my report. They also refuse to remove other accounts over 8 years old after many attempts and disputes. I'm sick of it. Fix this!!

Equifax needs to remove this items.

XXXX  needs to confirm they have removed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Certegy Holdings, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried to cash a check at XXXX and it was declined. I was given minimal information. I have never written checks at this store in over 15 years. I can't speak to anyone at the company. I called the told free number to speak with someone, they could not give men any information. So I ask to speak to a Manger, was place oh hold for over 10 mins, then the called ended No one could tell me why the check was declined

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 2021-08-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I the consumer XXXX XXXX have unauthorized inquires and an account present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies have to block and remove inquiries related to identity theft. Unauthorized inquiries and account are as followed. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 2022-07-11
Company: Experian Information Solutions Inc.
State: GA
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:
Subject : Incorrect Information Reported by Credit Bureau : Experian I am writing to file a new complaint against Experian for the following items that were reported negatively and should be removed because it can not be validated. The accounts are XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. And XXXX XXXX account # XXXX date opened XX/XX/XXXX. 
There is not enough creditor information being reported by Experian and it does not even match with the other reporting agencies either. I have attached the correspondence letters that I sent to them originally, and they havent responded accordingly and also WITHHELD information that I requested previously. 
These items listed above are inaccurate, unfair and unverifiable derogatory, an according to 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES, Experian as violated the law and ignore the procedures and did not release any information to me on how they verified these accounts and reported them 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 2021-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A auto loan was ooenes online by my fathers ex wife she used my name my social but put her cell phone number. Her email. And her address and i been fighting this sinceXX/XX/2016when it happened and nothing has been done..i provided police reports showing she opened many other accounts in my name and that the address that was uses was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was a victim of a scam for a fake job offer. I provide cleaning services and was contacted and given an offer by a potential " client '' who pretended to be a realtor agent for a well-known Broker Agency. On XX/XX/23, I was sent a contract via XXXX to be signed and sent back. According to the contract, I needed to send a surety deposit payment IRS pre tax through a secure XXXX channel in order to confirm my account as legitimate for payment transfer for the services. The contract also stated this surety deposit amount was going to be refunded back to me within 2 hours following the surety process confirmation. I sent the payment, but my refund was not provided within the advised time frame. On XX/XX/23, I contacted my financial institution to report this possible scam and stop payment. I was advised the claims department was closed due to XXXX of XXXX holiday and asked me to call back the next business day. On XX/XX/23, Iat XXXX, I contacted my financial institution and was told they couldn't stop payment because the transaction was already done and the money had already been transferred via XXXX . Same day, I placed a claim for fraud/scam. I also contacted the actual broker agency who confirmed this was indeed a scam. I walked into one of Chase branch near my area to cancel my account as it was compromised and re opened a new one. I was advised a temporary refund was being placed until the investigation was finalized. A few days after, the claim was denied stating I approved/sent the money myself and the temporary refund was taken back. I opened a new claim, spoke to a manager explaining the money was sent for a job offer that resulted to be not real but a scam. I was advised a courtesy recovery may be potentially be honored under the specific circumstances specially because the person who received the money also has an account with Chase. The money was indeed transferred from Chase to Chase via XXXX. I was advised the last day for review would be XX/XX/23. Today, XX/XX/23, I contacted Chase and was advised there is nothing they can do. Even if the scammer has a chase account, they can't recover the funds and therefore my claim was once again denied. They would not even escalate it and was told to contact XXXX. No notification was received about their decision, if it wasn't because I called to find out, I would have never known. Up to this day, this scammer keeps harassing me via phone. Keeps calling with different area codes numbers. I reported the issue to IC3, DCA AND FTC.

Company response to consumer: Closed with explanation