BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
I am a consumer that is disheartened and disgruntled. Originally I sent out a letter on XX/XX/2022 to Experian in reference to a bankruptcy being reported incorrectly on my credit profile I never received any proper verification for the reasonings why this was put on my credit profile I also sent in supporting documents from bankruptcy courts in my state, stating that no debt was validated And then put in a complaint on XX/XX/2022 still have not received any information on proper verification and sources from the company. This needs to be deleted from my profile immediately because there is no just calls nor was there any permissions or substantial evidence from any third-party as they claim to have received. This is hurting me as a consumer and falsifying information 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 2023-12-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, Ive received correspondence from Wells Fargo XXXX XXXX XXXX XXXX, expressing Account Origination and status. 

I am continuing to seeking resolution in this matter, by way of Good faith. please see attachments. 

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 2023-11-13
Company: EQUIFAX, INC.
State: NY
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:
I need the bureau to check why they're saying I'm late on accounts when I've never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: NJ
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:
15 US Code 1605 " Definition of a FINANCE CHARGE '' XXXX XXXX  XXXX XXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system My information was used without my consent which created accounts that im not aware of. Under 15 us 1681c-2 these items must be remoled.

Remaining Inquires According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-04-02
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has REAGED a debt. I have proof account was delinquent in XXXX. If I continue to look I can find one dated back to XXXX. This account was NEVER brought current. This agency is reporting date closed not date of first delinquency. 

The specific law is called the Fair Credit Reporting Act ( FCRA ). Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumers credit report for up to 7 years. To determine when an account will be removed by the CRAs ( XXXX, XXXX, and XXXX and others ), add 7 years to the date of first delinquency. The date of first delinquency is shown in credit reports. Subsequent activity, such as resolving the debt or one debt collector selling the debt to another collector, is irrelevant to the 7-year rule.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: NJ
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 continues to report a fraudulently opened credit card on my credit report, regardless of me telling them verbally and also in written letters multiple times that the account does not belong to me. They sent me a letter earlier today stating that they " believe '' the account belongs to me and is reporting correctly on my report. They have consistently cited that payments were made by " me '' on the account from a bank account, however, this alleged bank account does not belong to me at all. I've told them to provide me proof that this bank account is mine to from which these payments were made. They believe this is my account solely based on the fact that payments were made and questioned me as to why this happened. I am unable to know what is on the mind of a criminal and why they did whatever they did but that does not obligate me to this debt, it is in fact fraud. Instead of investigating this comprehensively they continue to defame my character by continuing to report this and refusing to remove this account from my credit report. The latest dispute only taking two days for them to verify. How can someone do a thorough investigation after only two days. I also blame the bureaus for allowing this to continue the way it has. After my recent dispute Equifax dropped my XXXX score 51 points for no other apparent reason other than them putting a remark on the XXXX account that it was being disputed again. This seems to be a decision that was made in retaliation for me continuing to dispute this account. 
After multiple months of fighting with them I am forced to file a complaint due their negligence in validating this account accurately. This defamation has caused me to not be approved for credit cards and is currently stopping me from applying for a mortgage this needs to be removed immediately. I have also filed a identity theft report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I received a letter from Discover bank dated XX/XX/XXXX in response to my request for privacy and confidentiality in accordance to the fair Credit Reporting Act and the Graham-Leach-Bliley Act of 1999 alleging to be reporting accurately. 

I have enclosed a copy of a report obtained from XXXX evidence of noncompliance to my written request for deletion of the reported account from all consumer reporting agencies purported as credit bureau agencies. 

As of XX/XX/XXXX my credit limit of {$250000.00} is reported inaccurately as charge off/income to credit report. IRS definition of charge off is considered income. Why is income being reported on my credit report? A company cant report something as both income and debt. Has this credit balance been refunded in accordance

to 15 U.S.C. 1666d? Please take notice, I revoke authorization of use and access to
consumer reports for any credit decision for extension of credit and exclusion of labor/income as consideration for any extension of credit as the labor of a human being is not a commodity or article of commerce. 
As a protected class, I decline to any classification of that of an employee. 
Take notice of the modification to the terms and conditions herein for reconsideration of credit application to conform to the truth in lending act for an open-end consumer credit plan 15 U.S.C. 1635 and 15 U.S.C. 1637.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the fraudulent items listed below are still reporting on my credit report in violation of Federal Law. I realized that the XXXX credit bureaus failed to fix it and I do not believe that these items belong to me. These items should be deleted as a confirmation of derogatory or negative in my credit file. They failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, is a willful negligence and non-compliance with federal statutes. For that reason, I am asking for your help to delete these items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX BANK XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2022-08-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I reported fraud on my banking accounts to USAA. They determined that I had had an account takeover which affected at least three checking accounts. I went through each account with the representative to identify the fraudulent activity which totaled over {$10000.00}. The representative said they were sending it to the fraud department and advised us to change all account usernames, passwords, and security questions, which we did. 

On the XXXX of XXXX I called to get an update. I had seen no correction in the accounts and had not been contacted. All the accounts were still locked. The representative found that nothing had been started but they werent sure why. They sent an inquiry to the fraud department and said it would take 3 days to get a response. 

About 4 days later I called again. This representative didnt see that anything had been done yet and sent another request for status and action to the fraud department. 

I waited another week and called again. The representative sought input from their supervisor but couldnt get any further status. 

Finally, on XX/XX/XXXX a representative called and said they were working on the accounts and would remove the fraudulent charges. It is now the XXXX of XXXX, over 5 weeks after I reported the issue and the accounts are still locked and the charges are still in place. 

During this time, I have accrued charges from other institutions because they couldnt process bill payments. I havent been able to access my paychecks which have been deposited and the checking department from USAA called trying g to collect the {$10000.00} from the bad check from me despite the accounts being locked and flagged for fraud/account takeover. 

The time to resolve the issue has been unacceptably long and I have been unable to get any status or explanation no matter how many times I call. XXXX  lack of action is now risking my credit score because I cant access my money to pay bills on time. I find the entire experience completely unacceptable. After 20 years with the same bank I now believe they have serious security issues that they are over their head with but that they are trying to hide it from their customers. I want this issue resolved now so I can secure my money with a trustworthy institution and avoid further financial damage to myself caused by USAAs inability to handle account intrusions and restore accounts after hacking and fraud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: IN
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: Investigation took more than 30 days

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 I'm 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 promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly.

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 2023-04-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Yesterday, on XX/XX/XXXX, I noticed a significant drop in my credit score and conducted an investigation to identify the reason behind it. Eventually, I discovered a derogatory mark on my credit report that was caused by a credit card ( HSBC Bank USA ) that I had not used in three years. Since it was past business hours, I called the bank the next day to inquire about the issue. A representative informed me that the bank had undergone a recent buyout, and I had an outstanding balance on the card. However, I clarified that I had not used the card in three years and disputed the fraudulent charges that were made in XXXX. The representative advised me to contact the dispute team the next day and updated my mailing address, which was outdated. 

The following day, I spoke to the dispute team and reported the fraudulent charges. The representative questioned me about disputing it to the credit bureau, stating that they had sent statements to the address. However, I explained that they had an outdated address and that I would have disputed it immediately if I had known about the balance. Eventually, the representative took the claim and informed me that it would take 60-90 days to review. 

Further investigation revealed that HSBC had sent an email on XX/XX/XXXX, before the fraudulent transactions, informing me that my credit card would be closed on XX/XX/XXXX due to a sale to another service provider. On XX/XX/XXXX, I received another email stating that the date had been pushed to XX/XX/XXXX, which was around the time of the fraudulent transactions. I was not notified of the charges or provided with any statements. 

In addition, I have an ongoing dispute with XXXX regarding the derogatory remark ( which is not on my XXXX and XXXX credit reports ). I have also filed fraud alerts with all three credit bureaus and submitted a complaint to the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: DISCOVER BANK
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
Myself and my husband have been trying to consolidate and refinance the student loans my daughter has with Discover ( I am the co-borrower ). The goal is to lower the interest rate and payments. 

Earlier this month, my daughter was approved to consolidate her loans- however the interest rate offered was at the max. We applied to be co-borrowers to lower the rate and were denied. " Income is insufficient & Delinquent credit obligations. '' We reviewed our credit reports and have XXXX accounts coded as adverse from more than 3 years ago. One payment missed. Accounts are either current or have been paid off. We have pages of " Satisfactory '' accounts- including all student loan accounts. 

Current debt includes student loans $ XXXX which we are trying to refinance. 

Our credit scores are great ( XXXX ) and income is $ XXXX. 

We complained to Discover about their unfair credit decision and they were unable to assist. They referred us to the credit agencies. There are no actual lenders- only the automate credit model they use. 

Discover 's underwriting criteria in their model is extremely unreasonable and unfair to graduates ( and their co-borrowers ) who are trying to manage finances. They are unwilling to work with consumers. 

It is extremely disheartening that very large financial institutions that make oodles of money can't have fair lending practices that help consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Bread Financial Holdings, Inc.
State: LA
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:
XXXX reported a XXXX XXXX XXXX to your XXXX XXXX XXXX. 

Source : XXXX XXXX : XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Phone : XXXX Account Opened : XX/XX/2023 Credit Limit : {$1800.00} The account used my social security number. XXXX with XXXX stated he is sending notification to the credit bureau of the fraud and mailing me notification that my claim has been resolved to my address. I am updating my current police report to reflect this case as this is not the first time this has happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: BARCLAYS BANK DELAWARE
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 am request that the BRCLYSBANKDE account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft. 

I have taken all necessary steps to report this fraudulent account to the relevant authorities, and I have provided them with all the necessary documentation. I am now requesting that you remove this account from my credit report as it was opened without my consent.

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