BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
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:
Hello Equifax, I have frozen my credit in month of XX/XX/2023 and put fraud alert on file. why you release my information without my consent to XXXX XXXX XXXX on XX/XX/2023. 

I want you to remove all my information from report as under privacy act 15 US Code 6802 - Obligations with respect to disclosures of personal information. 

also show me the document that i opt out of the disclose Personal/non public personal information to nonaffiliated third party and i also need you clearly and conspicuously discloses to me in writing or in electronic form or other forms permitted by regulations prescribed under Section 6804 of this title, that such information may be disclosed to such third party. 

Attached is XXXX XXXX XXXX on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: TX
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 am writing to file a complaint regarding inaccurate accounts on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. The credit bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These accounts should be corrected : XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$47000.00} ; XXXX  XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
they are still on my credit report they will not take them off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Called bank to discuss my account for being overdrawn for a certain amount of money I had the money in the account to pay merchants and then next day I have an overdraft for considerable amount over that amount paid out the money was transferred from my savings account to my checking account to pay the merchant but I still was assessed I overdraft and a fee I don't understand how this could happen they just told me that because the merchant didn't receive the money at the time of the transfer or the day of purchase I had overdraft my account how can my account be overdraft when I had the funds in the account to pay the merchant I was overdraft twice the amount of the purchase the following day. And assessed an overdraft fee the next day

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 2023-08-12
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX Balance : {$300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/2022 credit acceptance opened an account for me. Through a third party which is XXXX XXXX. Upon looking over the account Ive found multiple violations 15 usc 1681 604 A, N, I 15 usc 1666 B XXXX gap XXXX interest on the loan XXXX illegal repo / theft of vehicle XXXX identity theft XXXX deceptive practices

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 2020-03-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
Account Name : Account Number : Charge : Date : XXXX/XXXX  XXXX   {$3600.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX I have enclosed my FTC Identity Theft Report, proof of my identity and a copy of my credit report showing the fraudulent items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply. Sincerely,

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 2023-09-06
Company: EQUIFAX, INC.
State: AL
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 am writing to request the immediate removal of certain account from my credit report, as reported by [ XXXX/Equifax/XXXX ] . The inclusion of these accounts in my credit report is causing significant damage to my creditworthiness and financial standing, and I believe it is inaccurate or has been resolved. 

I have carefully reviewed my credit report from [ XXXX/Equifax/XXXX ] and have identified the following account that require your immediate attention : 1. Account Name : XXXX XXXX Account Number : XXXX Reason for Removal : The contract is null and void due to discrepancy I kindly request that you initiate an investigation into this account and promptly remove it from my credit report. The inaccurate reporting or inclusion of this account is causing undue harm to my creditworthiness, which has had adverse effects on my ability to obtain credit, secure favorable interest rates, and achieve my financial goals. 

I have attached supporting documentation that substantiates my claims regarding the inaccuracies or resolution of these accounts. Please review the enclosed documents and take appropriate action accordingly.

I understand that, as per the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days of receipt. Therefore, I kindly request your prompt attention and resolution of this matter.

Please provide me with written confirmation once the investigation is complete, and the accounts have been removed from my credit report. Additionally, I request that you provide me with an updated copy of my credit report reflecting the removal of these accounts.

Thank you for your immediate attention to this matter. I trust that you will handle this request with the utmost professionalism and adhere to the guidelines set forth by the FCRA. 

Enclosures : - Supporting documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity has been used to open a credit card with Victorias Secret ( Comenity Bank ) for the third time now. I have disputed this two times in the past. This most recent time, I did not catch the alert soon enough ( XXXX XXXX XXXX XXXX XXXX and opened a business in the last two months ). Now my credit score has dropped XXXX points from past due balances. The fact that the bank has allowed the use of my identity THREE times is absurd. I have never and will never hold a card with this company. Also, I have had my credit frozen for the past year except for a few choice days. I am not sure how they were even able to process the credit check. 

Most recently : Account opened XX/XX/2023 Amounts owed : {$95.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I submitted a balance transfer to American Express on XX/XX/2023. They accepted the transfer on XX/XX/2023 and did not apply the credit to my account. I have opened up XXXX disputes with no resolution. They didn't resolve it and closed the disputes instantly. I supplied them with the bank statement that shows the amount removed from my account and they have still not applied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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 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 2023-09-06
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
You are unable to setup auto payments online with XXXX XXXX unless you are a banking customer if theres. I am not a banking customer, so I called in to request the forms to set up auto pay. The first time I called I was never sent the forms. The second time I called in the representative room my account number and set up 3 months worth of payments to come auto automatically on my due date until the autopay paperwork was processed. I believe the payments would have been for XX/XX/2023, XX/XX/2023, and XX/XX/2023. She then took my bank account number, and set up the payments for those 3 months as that was the longest time period she could do so. 

I have called XXXX XXXX now 3 separate times and created 3 separate cases. The first 2 cases I was told that it was an error after they listened to the recorded phone call, and that they would remove the late payments from my credit report. I called again today as I had my credit report pulled and it is still showing the late payments on the report and I was given a new case number. Each time I have called I was told I would receive a phone call and mail correspondence showing the error had been fixed. I have yet to receive a signal phone call or any written correspondence. 

I am now under contract to purchase a new home, and the error in reporting is putting that in jeopardy. 

Please let me know if you need anything additionally to help correct this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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:
XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

JPMCB XXXX XXXX XXXX XXXX. XXXX, 2020 XXXX XXXX XXXX XXXX. XXXX, 2020 XXXX XXXX XXXX XXXX XXXX. XXXX, 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Trans Union XXXX Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number ( XXXX**** ) has Discrepancy in the High Balance, last Verified date, date open, date closed, creditor type, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 
Balance owed : If this account is a charge off/ collection how will it currently have a balance owed, past due amount ect. 
XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You 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 2023-09-06
Company: EQUIFAX, INC.
State: RI
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have spoken with the mortgage company doing a modification I have paid on the modification it has been over 4 months since I got any information on the modification every time I call they said the modification is still in process I don't understand why a modification is taking over 4 months for them to send me the paperwork I made all the payments and still have not received a modification every time I called they stated that it is still being processed I think something is up with that

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I tried withdrawing funds held in my PayPal account to my bank. The amount was {$64.00}. When attempting to transfer money to my bank which has already been confirmed, PayPal tells me, " XXXX XXXX XXXX We just need some additional info to confirm it's you. Please add a phone. '' I already have my phone setup for 2 Factor Authentication but when entering that number, I am told, " This type of phone number isn't supported ''. If I enter my old number, it accepts it. The problem is I don't have access to that number. The same exact issue happened on multiple browsers. Whenever I call PayPal, I am unable to speak to a live agent. Instead the automated system hangs up on me. Online support has been entirely unhelpful. They ignore my issue and use generic automated replies. Eventually an agent lied and said they would have someone call me within 48 hours. I waited but no one called. I have asked what happened but the agent has ignored me. Agents would randomly change names without explanation. The names have been XXXX, XXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: TN
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:
Reporting late payments on report During CovidAccording to the law 15 USC 16815-2 ( a ) ( 1 ) ( cp ) reporting During Covid in accurate information on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: LA
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: TX
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:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
You are unable to setup auto payments online with Wells Fargo unless you are a banking customer if theres. I am not a banking customer, so I called in to request the forms to set up auto pay. The first time I called I was never sent the forms. The second time I called in the representative room my account number and set up 3 months worth of payments to come auto automatically on my due date until the autopay paperwork was processed. I believe the payments would have been for XX/XX/2023, XX/XX/2023, and XX/XX/2023. She then took my bank account number, and set up the payments for those 3 months as that was the longest time period she could do so. 

I have called Wells Fargo now 3 separate times and created 3 separate cases. The first 2 cases I was told that it was an error after they listened to the recorded phone call, and that they would remove the late payments from my credit report. I called again today as I had my credit report pulled and it is still showing the late payments on the report and I was given a new case number. Each time I have called I was told I would receive a phone call and mail correspondence showing the error had been fixed. I have yet to receive a signal phone call or any written correspondence. 

I am now under contract to purchase a new home, and the error in reporting is putting that in jeopardy. 

Please let me know if you need anything additionally to help correct this.

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 2023-09-06
Company: EQUIFAX, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft. I filed the correct paperwork per the FCRA and submitted the paperwork with my disputes to the credit agencies. Nothing has been done and I have not received copies of the verification process.

Company response to consumer: Closed with explanation