BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: NJ
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, XXXX XXXX XXXX am verifying that I XXXX XXXX XXXX mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything 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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX says I owe them money and I do not. I had already experienced Identity theft and explained that to them and they continously harrassed me via telephone. Now they have passed it over to XXXX and still I am dealing with this issue which is keeping my credit at a low stand still. This occurred in 2015 ( when I found out ). The debt is about {$10000.00}.

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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Please accept this letter as my formal writing request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act 15 U.S.C S 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : 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 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 2023-08-24
Company: Experian Information Solutions Inc.
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 am interested in processing disputes on my credit report to delete an remove all invalid data that is hindering my file. all data that is inaccurate has been listed in the files below. checking my credit files none of the credit reports are accurate on all 3 reports. this is violating my consumer rights. please review an remove the items listed submitted in the filets clear all inaccurate data on my credit report asap.

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 2023-10-04
Company: EQUIFAX, 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:
I noticed back XX/XX/2023 that XXXX was on my credit report and I call the company and I was told they didn't send that to the creditors such as XXXX, Equifax and XXXX they said I would have to contact the creditors and I did and they failed to remove it after the FTC letter was sent to them. I also noticed that XXXX was added to my credit report and it is not a credit card company I had spoken with the company and let them know that my account had been hacked and they didn't do anything to remove this from my credit reports and they have been sending threatening text messages to my cellphone saying if I don't pay the money it will be legal actions taken and that my wages will be garnish so this definitely needs to be removed because it was hacked and they know about it. I have also requested that XXXX XXXX be removed Equifax fail to remove it from my credit report after I have sent in FTC letters and proof that it wasn't my account because I didn't have service with the company because I had moved from that location so the new tenants were using services in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07
Company: MARINER FINANCE, LLC
State: LA
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:
Mariner finance reported four separate charge off accounts in my name. Only one is correct and the others are not joint accounts that I have not signed on. They belong to my ex husband. Only one account its an installment for {$4000.00} and a little more. I cant remember amount financed but it was secured by a vehicle ( XXXX XXXX ) and was a joint account. The other three accounts reported I did not sign in and they are saying joint accounts. They are reporting I last paid in XX/XX/XXXX which is incorrect. Last payment was in XXXX, vehicle was repossessed in XX/XX/XXXX no other payments made in XXXX and balance on charge off was not set up in a 24 month schedule. They reported the balance was set up to be paid in 24 months. There was no rescheduled payments on charge off. XXXX determined the other accounts were mine. No way possible because I never signed any other loans at Mariner. Only the one with secured collateral of my XXXX XXXX. That was a joint account. No other accounts did I ever sign and mariner tried to get me to set up payments on balance of charge off but I wouldnt so they took it upon themselves to report it like I have and like Ive missed all those payments. It has hurt my credit and is continuing to be reported as missed payments. It was charged off and thats the only thing that should be reported on that loan. The charge off was around XXXX and some. I went to their office and they pulled the loans they have reported as joint accounts Theyre reporting and my signature was NOT on the contracts but they refused to remove them from my credit report. I knew absolutely nothing about the other loans that my husband was responsible for. How can XXXX allow mariner to report false information on my account. I dont have documents to prove but they do. I only did business with mariner one time. They should have to remove those loans and the information they keep reporting to the bureaus each month is false information on my charge off in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Synovus Bank
State: SC
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 the dates of XXXX and XXXX of XXXX and XXXX of XXXX it shows as late payments on my credit report. On those dates I sent payment in but the credit card company stated they didnt receive the payment but when I reached out to my bank they said the payment was taken out. I called in and customer service rep stated they could have been having website issues at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX. has placed an account for collections on my credit reports. Not only do I have zero knowledge of this account, but I've had issues in the past where this company continues to attack my credit report without my knowledge or permission. 

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 2023-09-11
Company: EQUIFAX, 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:
I received my credit report on XX/XX/XXXX and noticed there were hard inquiries that didnt have a permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureau about this multiple times they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that dont have any purpose to be on my credit report. 

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 explanation
Consumer complaint received 2021-09-02
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Afni sent me a letter stating they verified with the creditor. However, I requested that the information be verified and validated and proof be sent to me stating the account was properly verified. I did not receive that information from XXXX XXXX XXXX nor Afni.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Since XXXX of XXXX  XXXX XXXX has stolen the identity of XXXX XXXX changing email address and changing information on her credit report using the social security number without consent and continues to do so as of XXXX XXXX. Ive filed several police reports. 
XXXX XXXX opened a XXXX card in the name for XXXX XXXX. And charged items in the amount of XXXX in charges. Several charges on XXXX account amounting to XXXX Credit card came to my address with his name on it. 
XXXX XXXX changed my address at the post office system and had my mail routed to his address XXXX XXXX XXXX XXXX XXXX WI XXXX I have a email from the Postal inspector of XXXX stating the issue of the fraudulent address and a phone transcript. He stolen my XXXX account. Hes changed my XXXX so much that Im completely locked out of that account all together. Proof of that. XX/XX/XXXX XXXX he ordered my drivers license with the stolen credit card he open from XXXX XXXX. 
XX/XX/XXXX {$71.00} at XXXX XX/XX/XXXX XXXX at XXXX he tried ordering food from XXXX with my Capital one The list goes on with several different attempts to open accounts. 
XXXX XXXX tries to log in for my XXXX XXXX  account XX/XX/XXXX XXXX attempts. XX/XX/XXXX XXXX attempts XX/XX/XXXX XXXX attempt and XX/XX/XXXX XXXX attempts. Changed XXXX password change XXXX XXXX my XXXX account as well. I have several email stating someone on Wisconsin computer trying to get into my accounts. 
Recent activity was on XX/XX/XXXX changed my phone number on my credit report XXXX to phone number XXXX and XXXX to XXXX. Old email address is XXXX. XXXX XXXX is making several attempts to hack my emails account as well. He does it at night when Im sleep and notifications wake me all through the night. 
Friday XX/XX/XXXX tried logging in to get my Tax information 5 attempts. 
On XX/XX/XXXX he called XXXX again according to records trying to get access to my XXXX account again. 
XXXX XXXX XXXX XXXX. hes attempting to get into a XXXX account. This has been going on since XXXX of XXXX. There is more attempts that are not listed here. 
XX/XX/XXXX, Capital One calls to tell me that he has tried to open a XXXX capital one card in my name but shut it down. 
XXXX XXXX is resilient and will not stop. This has really become a burden and Ive not been able to function because of this situation. Ive beeXXXX XXXX XXXX XXXX  ever since this has been happening. Included in this lawsuit is for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Westlake Services, LLC
State: LA
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:
I filed a dispute in regards to the incorrect items on my credit reports it has been well over 30 days in I haven't received any investigation 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
Consumer complaint received 2023-09-11
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:
I, XXXX XXXX was attempting purchase a home for my and my children. This when I realized there are severe damages to my credit report. According to the 15 USC 1681 law there should not be any damages on my report. This is a defamation to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
" Complaint about silently introducing low balance fees and not providing any notification which resulted in XXXX {$750.00} in fees from my checking account. '' Details : I opened a checking account with Bank of America as a student in XXXX since it did not charge any fee for low balance. I used it a lot during my student days, often maintaining a low balance without any maintenance fees. Apparently, a fee was introduced for balances less than {$1500.00} sometime after my account was opened. Over time, I was using the account less and less, and in XXXX, I made a withdrawal that reduced my balance to {$750.00}. Then, in XX/XX/XXXX, I received a notification that my account will be closed due to inactivity. I log into my account and see that my entire {$750.00} balance has been used for paying a {$12.00} per month fee since XXXX. I can provide copies of bank statements if needed. My issues with the above are : 1 ) I did an in-person withdrawal in XXXX. Given that I opened the account when there were no fee, I feel that the banker should have informed me that my balance is below the {$1500.00} and a fee will be charged. 
2 ) Bank of America did not notify me that a fee is being charged to my account for 5 years. Only emails I received was that a statement is available. Only notification they sent me is when the balance is low enough so that they can't charge the fee. This seems like an unfair practice to me. My other bank notifies me when a fee is charged. 

I tried resolving the issue with the bank. After spending many hours on the phone, I am told that all they can do is revert 90 days of fees but if I want anything more I should go in person to the bank. I do that and they tell me to wait for a banker. Again, after waiting for an hour, they tell me that I'm wasting my time and I should just call the customer service to get my 90 days of fee refunded. After spending another hour on the phone, they tell me that they can't even revert 90 days of fee. At that point, I give up and ask them to close the account. I hope others can learn from my experience and never do any business with the Bank of America.

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 2023-01-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello CFPB Team, I have been trying to work with these credit bureaus for quite sometime now. Unfortunately, they have not been responsive to my disputes so I am submitting my disputes through here. 

I would like to report that the bureau did not receive my permissible purpose to report these negative and inaccurate accounts to my credit profile. 

The letters attach detail more about the scenario. Please see to it that each bureau receives the disputes.

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 2018-12-24
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: Information belongs to someone else

Complaint:
XXXX is reporting my husband 's delinquent credit card account as mine even when they know the report is false. In XXXX my husband opened a credit card in his name alone. I knew nothing of this new account until XXXX when my husband was in the hospital and he asked me to pay the household bills, which he always did. When I opened the XXXX billing statement from his mail, I called them to ask why his balance was twice the credit limit. I was told that my name was NOT on the account and they can not give me any information. My husband then gave me his online username and password so I can make electronic payments for him. My husband later told me that he opened the account online and was absolutely certain that he was the only account holder and he never listed me as joint/secondary. He called them inXX/XX/XXXX to ask them to stop reporting my name as joint account holder and to take it off my credit report, but they refused ; he then demanded a true and original copy of the credit application showing my name or signature electronic or otherwise, but they never provided it. I sent them a letter demanding the same with no response. I disputed the {$6900.00} account with Experian 3 times and XXXX  2 times with the same reason state above, but the account still shows on these reports. It is absent from my attached XXXX report that I pulled on XX/XX/XXXX. They told my husband that they will only erase the entry from MY credit reports if he pays the charged off account in full. 
Please note that my husband and I have a different XXXX  secured credit card with a limit of {$300.00} that is joint ownership.

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 2018-12-24
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:
XXXX is reporting my husband 's delinquent credit card account as mine even when they know the report is false. In XXXX my husband opened a credit card in his name alone. I knew nothing of this new account until XXXX when my husband was in the hospital and he asked me to pay the household bills, which he always did. When I opened the XXXX billing statement from his mail, I called them to ask why his balance was twice the credit limit. I was told that my name was NOT on the account and they can not give me any information. My husband  then gave me his online username and password so I can make electronic payments for him. My husband later told me that he opened the account online and was absolutely certain that he was the only account holder and he never listed me as joint/secondary. He called them in XXXX of XXXX to ask them to stop reporting my name as joint account holder and to take it off my credit report, but they refused ; he then demanded a true and original copy of the credit application showing my name or signature electronic or otherwise, but they never provided it. I sent them a letter demanding the same with no response. I disputed the {$6900.00} account with XXXX 3 times and Transunion 2 times with the same reason state above, but the account still shows on these reports. It is absent from my attached XXXX  report that I pulled on XX/XX/XXXX. They told my husband that they will only erase the entry from MY credit reports if he pays the charged off account in full. 
Please note that my husband and I have a different XXXX secured credit card with a limit of {$300.00} that is joint ownership.

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