BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-24
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I disputed a number of items on my Experian credit report ( attached ) on XXXX/XXXX/15 and to this point, they have not reponded to my inquiry,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: AL
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. The following items are listed below : XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX  XXXX XXXX AL XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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:
On XX/XX/2023 I asked the credit bureaus to do a verification of everything on my credit report. They did, stating that everything is accurate. I did a thorough research myself and found improper inaccuracies. In accordance with the Fair Credit Reporting Act, XXXX, XXXX, and Trans Union XXXX accounts listed below, has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A, states I have a 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 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 2022-04-05
Company: EQUIFAX, INC.
State: NY
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 mailed Equifax on 4 different occasions in regards to an account with XXXX that reflects negatively on my credit report. I have elaborated with the company I have been a victim of identity theft and requested that Equifax investigate the following matter and remove the account. I have never received any rebuttal from the company which leaves me with no option but to reach the CFPB. 



XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: TX
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:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Delete this account. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.

Company response to consumer: In progress
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I have submitted letters to Transunion in regards to unauthorized inquiries on my credit report. I sent the multiple letters and have waited over 50 days and have heard nothing back. Legally these unverified accounts need to be removed.

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 2021-04-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: TN
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 am a victim of identity theft. I got an alert today stating that I had a new account on my credit report from ARS Account Resolution for a medical debt from a hospital in XXXX New York. I have never been to an emergency room in any state let alone New York. I have never done business with this hospital and this debt is not mine. This debt is either being reported as a mistake or a result of the ongoing identity theft but regardless this debt does not belong to me. I was asked by the credit bureaus to send in an updated FTC identity theft affidavit for this specific collection account which I have done and submitted to the FTC. A copy of the report which was filed with the FTC is attached to this complaint.

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 2018-04-10
Company: CREDIT ACCEPTANCE CORPORATION
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 information incorrect

Complaint:
I called XXXX  XXXX XXXX to inform them that this REPO is not mine. I have never voluntarily or involuntarily repossessed my vehicle and the supervisor said she would have it deleted.it never did!!! so I disputed it twice now and they continue to " reconfirm '' the information. This is only showing with XXXX but its hindering me from purchasing a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: OH
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:
Experian finished dispute over several different disputes within a 2-day period never took the time to legally investigate the dispute I would like all disputes that were not investigated properly removed immediately from my credit report before I file suit

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 2023-07-01
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I disputed a charge on my Apple Credit Card that was not authorized. I followed all of Apples instructions to update my password as they required that I change it. They then without any communication, locked both my savings account with substantial funds and my Apple Card. 

I have contacted them multiple times and they will not provide any access to my savings account until a review takes place. Despite phone calls, text messages and escalations, they will not provide access to tens of thousands of dollars that I have in their account. I can not make rent or pay my bills. 

I am beyond upset as they should not be able to lock my funds. I am considering all legal options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Respected sir/madam I am XXXX XXXX XXXX XXXX XXXX XX/XX/1997 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I had taken one loan from XXXX XXXX bank XXXX XXXX XXXX, which is continue and I am paying all XXXX  on time. 
But my credit report on THE EQUIFAX is very low due to some loans of XXXX rupees and etcetera which i had not taken from any bank. 
And due to this unknown loans my credit report is very bad. 

Kindly rectify my credit score for my brighter future Yours sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has contacted me several times about a debt that I am not aware of. They continue to call me and contact me at odd hours. This latest time they have called me at XXXX despite me telling them I do not own the debt and to not contact me. Please stop contacting me ASAP! 

This company said this debt belongs to XXXX XXXX XXXX  for a master card. I do not own this debt. Please stop contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To Whom It May Concern : Hi, my name is XXXX XXXX. I am writing because the following items I have attached are items in my report that I need removed. I am a victim of identity theft and did not make nor authorized these changes. I ask that the items be deleted to correct my credit report. I have already reported my identity theft to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: NY
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXXXXXX 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 2018-10-10
Company: Experian Information Solutions Inc.
State: KS
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 had XXXX XXXX XXXX with XXXX XXXX. On XX/XX/2017, I noticed an errors on my payment history and has not yet be resolved. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.

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 2018-10-10
Company: EQUIFAX, INC.
State: KS
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 had XXXX XXXX XXXX with XXXX XXXX. On XX/XX/2017, I noticed an errors on my payment history and has not yet be resolved. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting 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:
Hello, I am writing to dispute the accuracy of a hard inquiry that appears on my credit report on TransUnion, XXXX and XXXX. I recently reviewed my credit report and found that there is a hard inquiry that I believe to be inaccurate. The details of the inquiry are as follows : XXXX XXXX  ( why would I apply for a home loan 4x in one year? ) XXXX ( sent me a pre-approval and received my credit information through Transunion data breach ) XXXX  ( why would I apply for a home loan 4x in one year? ) XXXX XXXX ( why would I apply for a home loan 4x in one year? ) XXXX ( I did not apply for another credit card ) I did not authorize or initiate this inquiry, and I have no record of applying for credit or a home loan. There is no other legitimate reason for this inquiry to appear on my credit report. Therefore, I request that you investigate the accuracy of this hard inquiry and take appropriate action to remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday, XX/XX/2023, I made a mobile deposit into my Truist checking account for {$840.00}. This was a payroll check originating at XXXX XXXX. Truist has held on to this deposit ever since. This is over 11 days. They said the reason was it is a new account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I already reached out to the credit bureaus and to CAPITAL ONE BANK USA XXXX for the account number XXXX and notify them of their error posting for this account on my credit report. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical first hand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I requested a 1 time, principal only payment of {$3000.00} to Bank of America ( Confirmation number XXXX ). I am trying to pay my mortgage off early, so I submit a principal only payment at least once per month. For some reason, the payment was collected as " unapplied funds '', instead of being applied directly to the principal. I called again a couple of days later to ask that this be fixed ( XXXX ). The representative told me that they would fix the issue within 8-10 days. They did not. At this point, not only have they collected the $ XXXX I sent at the beginning of the month, but they have also collected my regular payment, which is ALSO being held in " unapplied funds ''. This is getting increasingly ridiculous because now my account is flagged as " overdue '', despite them holding almost 7 months worth of mortgage payments in " unapplied funds ''. I called again ( XXXX ), at which time the representative told me that he could see my request, but it was still processing for some reason. He assures me that no penalty would come of this, even though I'm well past the grace period. It is now 29 days later and I see that they have surely applied some money towards the interest on my account, but none toward my principal. Every time I call on the phone, I spend no less than 2 hours on hold. I've sent multiple messages through their Secure Messaging System. I got a response in my personal email from an email  address that I don't recognize, and the link in the email is requesting personal information, so I don't trust it. When I go to the secure messaging system in my account, there are no unread messages for me. So if this is in fact bank of america, they need to do better about not looking like spam. I'm now currently on hold with them AGAIN, as we are now going into a second month of this and not only do they need to adjust my account to reflect the large payment I made at the beginning of the month and adjust the interest they've collected, I also need to make another payment. I should not have to do this math in my head, as I'm sure they expect me to just keep blindly making payments without them making any adjustments to my account. Customers used to be able to make these types of payments online, so I don't even understand why I need to spend hours on hold to do basic things like make a payment.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This account of {$540.00} is fraudulent with XXXX XXXX XXXX. Ive sent in multiple proof and information. I have no knowledge of this account and did not give anyone the right to my social security number. Nor did I give any rights for this account to be placed on my credit files from this company. Delete this account 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 explanation