BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
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: Personal information incorrect

Complaint:
Letter to Remove Inaccurate information This letter is to address the following credit bureaus, XXXX, XXXX and Experian. 

Per FCRA section 623 A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 


By the provisions of the FCRA and the 15 U.S Code 1681 I am demanding that the inaccurate information such as my address and inaccurate names be removed 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 2022-03-31
Company: EQUIFAX, INC.
State: PA
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:
Equifax needs to fix the issues about the inaccurate information for the Repossession reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : Repossession : XXXX XXXX XXXX XXXX Balance : {$7900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Experian Information Solutions Inc.
State: MO
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 contacted XXXX XXXX XXXX in regards to a lien that was taken out on my car that was not taken out by me. I have disputed this information and I have tried to contact the company through the XXXX. This company has not responded back to me. I am requesting that the credit breaus take the information off of my credit report because this debt was a result of fruad. someone took a lien out on my car and my car was taken and these people are still showing a balance on my account. XXXX XXXX XXXX has not gotten back to me the two times I have contacted them in regards to this debt.

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 2023-10-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally dispute the inclusion of two accounts on my credit report, namely : XXXX XXXX Account Number : XXXX XXXX XXXX [ Last four digits obscured for security purposes ] XXXX  XXXX Account Number : XXXX XXXX [ Last four digits obscured for security purposes ] Upon careful review of my credit report, I have identified that these two accounts do not belong to me and have been erroneously included in my credit history. I have no association with these accounts, and their presence on my credit report is inaccurate and misleading. 

I urge you to investigate this matter promptly and remove the aforementioned accounts from my credit report. The inclusion of these unauthorized accounts has the potential to negatively impact my credit standing and overall financial well-being. I appreciate your attention to this matter and request that you provide me with a timely update on the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I dont remember the dates I closed the wells Fargo account a couple years ago and they were constantly taking out fees from my savings and checking. I contacted about this several times. I am trying to join the Wells Fargo settlement

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 2020-08-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I applied for financing for a dining room set with loan terms as follows : Purchase total {$1400.00} Total interest ( 29.90 % APR ) + {$230.00} Interest rebate - {$3.00} Total of payments {$1600.00} My last payment of XXXX was paid on XX/XX/XXXX. The creditor has not reported since XX/XX/XXXX but is still showing a balance of {$130.00} on my credit file. I filed a dispute with Experian Credit Bureau on XX/XX/XXXX. When I spoke to Experian on XX/XX/XXXX, they indicated that the creditor XXXX is still indicating that the balance is still {$130.00}. My account with XXXX is showing online as a balance of {$0.00} but they are still reporting a balance of {$130.00}, the account should also be reporting closed and paif in full. Please assist at your earliest. Thank you.

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: Experian Information Solutions 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$4400.00}

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 2021-06-04
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Sending this complaint means that I haven't received an acceptable result that I expected showing in my credit reports. I found that only one inquiry was removed in my XXXX credit report, but the rest of the items were still reporting in my 3 Credit Reports. And I need them REMOVED from my credit file. I am requesting the XXXX, XXXX, TransUnion to please see the items I listed here in this complaint for you to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2023 I reached out to XXXXXXXX XXXX XXXX to request a reprint of a letter they sent to me verifying that my account is no longer reporting delinquent status from XXXX and XXXX of 2023. I spoke to a representative named XXXX and she said that it is their policy that they can not reprint and resend these letters but verified that my account is not reporting late however it is still reporting late. I need the letter as proof to show to the credit bureaus that the account status needs to be updated but XXXX will not resend me the letter, yet they are still reporting inaccurate information.

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 2023-05-26
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: Account status incorrect

Complaint:
equifax reports that my credit account is frozen. Attempted to get a loan ( {$5000.00} ) but they reported no credit cards or history. I am XXXX XXXX XXXX and never had issues with credit. when equifax contacted they verified my identity by ssn, dob, address, mobile number, text to same to send back code- then wanted me to send in hard copies of my ss card and drivers license. asked to speak with supervisor- put me on hold after trying to get me to purchase identity theft protection. still do not have the freeze lifted on my account. 
the 'customer service ' rep was not helpful and said that their supervisor would give the same response. very unprofessional and disturbing that a credit reporting company can manipulate anyone 's credit reports to equifax 's liking. as a consumer we have no recourse to this abuse of power

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
For THREE YEARS I HAVE CONTACTED THEM AND ASKED FOR PROOF THAT I OPENED THE CARD AS IT WAS NOT ME. THEY CONTINUE TO REPORT IT TO THE CREDIT BUREAU. THEY HAVENT SENT ME SIGNED CONTRACTS TO PROVE IT WAS MINE AND IRONICALLY THEY KEEP EMAILING ME OFFERS TO HAVE A CARD WITH THEM. THEY ARE RUINING MY CREDIT THAT I HAVE WORKED VERY HARD ON. EVERY TIME I CALL, WRITE OR DISPUTE WITH THE CREDIT BUREAUS THEY JUST LEAVE THE SAME THING BUT NO ONE HAS SHOWN ME ANY PROOF I HAVE ASKED FOR ccount NameDISCOVER FINANCIAL SERVICES Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/2020. 
Status XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: NATIONS LENDING CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I were approved for a loan and scheduled to close on Monday XX/XX/2020. We signed closing disclosures docs on Thursday, XX/XX/2020. On Friday, the closing attorney contacted me and said they hadn't received the closing package from the bank and couldn't schedule the close until they did. We tentatively set XXXX XXXX  until the package was received as the time to close on Monday. When Monday came, the attorney called as well as the homeowners policy agent regarding the closing. I had told everyone including the seller 's attorney and seller 's agent the loan would close Monday. My loan officer sent an email on Thursday confirming this. On Monday, I called the bank. They said they were still working on it. My wife and I were hopeful it was just because the bank was busy. On Tuesday, the same issue occurred with higher frustration from everyone. When I finally got someone from the bank on the phone, they said my wife 's income was no longer valid as part of the application because she took maternity leave from her part time job. She is still working at her primary position and the only one used for the mortgage application because of qualifying factors.

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 2020-08-21
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020 my stimulus check of {$1700.00} was deposited into my closed TD bank account. Ive reached out to TD bank on XX/XX/2020to verify that my account was closed and to see if they sent the {$1700.00} back to the irs they said the money was sent back but could not give me a date. On XX/XX/2020 the irs ran a trace on the money and it shows that td bank still has the money. I reached out to td bank again on XX/XX/20and spoke to the manager at the XXXX CT location who said he reached out to the ACH department and they told him the money was sent back. I called td bank again onXX/XX/20 to find out why the irs has yet to get the money back I asked them when was the money sent back they could not give me a date as to when the money was returned to the irs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a replacement card from direct express. I've had their card for several years. I tried calling to activate it since I got it ( XX/XX/2021 ) at approximately XXXX XXXX. I was put on hold for hours. In fact I stayed awake all night trying to reach them. No answer. Now I'm very ill XXXX XXXX XXXX XXXX, and I need access to my money. So at XXXX XXXX  XXXX XX/XX/2021 XXXX. I called and now they just hang up on me. Repeatedly. If my health gets worse because I can't buy the food and medication that I need because they will not answer the phone to activate my card. My family will hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had filed a joint tax return and the check, for {$5300.00}, was made out to me and my wife. She is out of the country and because of marital problems she probably won't come back here. I tried to deposit the check in my account at XXXX  and they would not accept it without her being here. I also tried to open an account at XXXX XXXX but it was the same with them. I was assigned a taxpayer advocate by the IRS and she said that Chase Bank would accept it as a third party check. I called Chase on XX/XX/2019 to confirm and they did. I have them all the information about the check and they said they would take it without a problem. I opened an account at Chase on line later that day. The next day, XX/XX/XXXX, I went to a nearby branch to make the deposit. I double checked with a man I think was a manager to confirm they would accept the check and he confirmed they would so I made the deposit. The next morning I had an alert on my phone that my account was overdrawn by the amount of the check and my account was restricted and would be closed soon. I called Chase right away to see what happened. I was told that my wife would need to confirm that the check be deposited in my account ( we don't have a joint account ) and that they would not release the funds without her approval. I was told by the first few people I spoke to that if I could give them a US phone number issued in her name so they could call her to confirm. She is in XXXX and I'm not sure it is possible to get a prepaid SIM card I could send her, but the woman I spoke to at the CFPB said I should try. I have been working with a woman, XXXX, in Chase 's executive office to try to resolve this. Her number is XXXX ext. XXXX. It is urgent that I have access to this money as I am currently unemployed wait for SS XXXX, but at present I have no income, and rent is over due. I have been borrowing from family and friends and thought I would have the finds by now. I hope there is something you can do. I feel I have been robbed of this money. I was told they will hold it for 2-3 yeas and then release it to the state and I will be able to collect it as unclaimed funds. This doesn't seem acceptable. If their loss prevention department has decided not to release the funds to my account they should return them to me. XXXX is working on this, to get them to write me a new check, but she doesn't sound very confident when I speak with her. I hope you can help. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My dispute is with the Medical Revenue Service who collected for XXXX XXXX Hospital. None of the choices pertain to this problem. I called this company on XX/XX/20 to let them know that I would be paying this debt in full because I am in the process of purchasing a home. The fact that this is a hospital bill is bad enough but to add insult to injury, this company listed the debt four times instead of listing it once with the total amount of {$670.00}, so now it is counted as four collections on my credit report. This company reneged on their promise to remove this debt from my credit report after I indeed kept my promise to pay the entire bill stating that I did not pay it when it was due. Well, it would not have been a collection if I had the money to pay the hospital when the bill was due, but the fact remains that the debt is paid in full and there is no need for it to remain on my credit reports.

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