BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. DPT ED/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There ere also several inquiries as well : 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 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 2023-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank of America reported XXXX late payments on my credit report. 

Account XXXX XXXXXXXX But it's not my fault, my account was set up on XXXX Payment with my XXXX  account for the XXXX payments on this account. I recently had fraud done on my account. On XX/XX/2023 I closed down my XXXX account reports the fraud charges and opened a new account. XXXX reassured to me that everything that was set up on XXXX XXXX or XXXXXXXX XXXX XXXX  XXXX from the old account, will be automatically sent from the new bank account opened. All payments were made up to date and I am asking to please remove these XXXX late fees. This is affecting my credit report very badly and not letting me get approved for nothing else. 

Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Equifax Customer Service, I hope this email finds you well. I am writing to bring to your attention a significant issue regarding inaccurate information listed on my Equifax credit report. Despite multiple attempts to rectify this situation, I have encountered hurdles that prevent me from obtaining a resolution. I kindly request your prompt attention to address this matter as it is adversely affecting my ability to access credit. 

During a recent conversation with a representative from Equifax, I highlighted the inaccurate information on my credit report. The representative acknowledged that the reported information is indeed incorrect and illogical. However, they mentioned that Equifax is obligated to record the information as provided by the original creditors. Upon contacting these original creditors myself, they confirmed that they did not provide Equifax with the inaccurate information. Despite this clarification, Equifax has refused to update or correct the information in question. 

The specific item that requires immediate correction is the " Date of major delinquency reported. '' If my account first went delinquent in XXXX, it is only logical and fair that the date of major delinquency reflects this year and not XXXX. Equifax 's failure to rectify this error is not only frustrating, but it also hinders my ability to obtain credit due to the inaccurate and misleading information on my credit report. Furthermore, I have noticed that when I review my credit report, it states that my last late payment was just a month ago, which is completely incorrect. In fact, I have not had a late payment in over a year. Therefore, both my XXXX and XXXX accounts require updating and accurate reporting. 

I understand that mistakes can occur, and I am willing to work together to resolve this issue promptly. As a responsible consumer, it is essential for me to have accurate credit information that reflects my true creditworthiness. I kindly request that Equifax investigates this matter thoroughly and updates my credit report accordingly to reflect the correct and accurate information. 

I appreciate your attention to this urgent matter and kindly ask that you provide me with a timeline for resolving this issue. If necessary, I am willing to provide any additional documentation or evidence to support the correction process. I am confident that with your expertise and commitment to accurate credit reporting, we can rectify this matter swiftly and ensure the integrity of my credit profile. 

Thank you in advance for your immediate attention to and resolution of this matter. I look forward to receiving your response within a reasonable timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
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:
I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$380.00} Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$650.00} Account Name : XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: CA
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 was a victim of Identity Theft in XX/XX/2023. I reported the fraudulent activity to the credit card company and bank involved ( XXXX XXXX  ). They closed the account and reported the activity as fraud. I would like the activity removed from my credit score from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I've been trying to call Nelnet to help with my SAVE plan to see if i can get it lowered. Been on hold for more than an hour multiple times. Trying to log into the website, don't quite remember my username and login info, tried to recovered information using recovery options, never received an email for verification codes to it multiple times. A process which should be easily handled through automated services built into the website. Clearly this isn't the case, unless the site is mucked up on the back end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}

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 explanation
Consumer complaint received 2023-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, a client paid me {$4300.00} for my services as a XXXX The client placed a fraud alert on the wire because I hadn't responded to him quickly enough to his liking to confirm payment was received. Bank of America then placed a hold on my funds. I contacted the client to ask him what was going on and to show him all of the work carried out for his case. He apologized profusely, agreed it was not fraud, and called his credit union to release the funds on XX/XX/XXXX. On XX/XX/XXXX, my client again called his credit union to make sure the funds were released. 

On my end, the funds were still on hold. On XX/XX/XXXX, my client went to his credit union in person, and XXXX XXXX from his credit union sent a message to Bank of America asking that the funds be remitted as the remitter and beneficiary have reached a resolution, and asserting that the remitter ( my client ) wishes the funds to be sent. 

I faxed written confirmation of this from the credit union to Bank of America and was told that I would see a resolution by today, XX/XX/XXXX. I just got off the phone with Bank of America and as usual was given vague non-answers. I am told that they are " waiting for some sort of legal documentation, I think '' from my client 's credit union, but they could not specify what document ( s ) exactly. I have offered to call the credit union on conference to resolve this issue. 

My money has been held hostage for over a month at this point and I have provided proof that the client wishes to remit the funds. Bank of America has said that the funds are being held by the credit union, but they are not. The funds have left my client 's account and are in limbo with Bank of America. 

I have numerous other documents to show this is not fraud : myriad e-mails between myself and the client, a signed contract, and proof of work carried out. I have no idea what to do at this point and am incredibly frustrated that nobody at Bank of America is taking ownership of this issue affecting a loyal customer. It is demoralizing to know that my money can be held by a bank and I am left without recourse except calling and speaking to anonymous customer service representatives who can do nothing but " add notes '' to my 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 2023-10-06
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been trying to get my money back from chime for a long time. They have told me there is no funds and the get them back from the person that sent the funds and that is the IRS. They have not given the funds back to the IRS for them to even get them back. The amount in question is {$2000.00}. I have been on the phone with them many times telling me lies and the I should be getting a closer check but never have. I would like to know how to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Paramount GR Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
We signed paperwork for this loan on XX/XX/22. This loan is to pay for solar installed by XXXX XXXX XXXX. Goodleap fully funded the loan XX/XX/22. Since then no work on our project has been done. We have solar panels installed but they are not working. I have tried for three weeks to work on resolution with Goodleap, but they rarely answer calls, have not been answering emails, and only called me to let me know that I need to be making payments. The goods and services for which I signed the loan paperwork HAVE NOT BEEN PROVIDED. The project was abandoned by XXXX XXXX XXXX. There is a lien on my house from XXXX XXXX because XXXX XXXX XXXX did not pay them for solar equipment received. Can provide all evidence of attempts to talk with and resolve the problem with both XXXX XXXX XXXX and Goodleap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, 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:
Let it be know to all that XXXX XXXX XXXX have purr perjured themselves again! A complete falsified response to cover up serious violations they committed over 8 weeks ago and still are hiding and breaking the law - Heres another example on record again today. They claimed that dispute number XXXX is a duplicate of XXXX lol- it is not even remotely they same dispute and certainly not a duplicate! They are out of control!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: BARCLAYS BANK DELAWARE
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:
I have been trying to correct this problem since last year. They reported my credit report as being late two months in roll even after they called me and offered me an extension due to COVID-19 global pandemic that we were going through in 2020. I have advised them that I was covered by the Cares Act Section 4021 and no matter what I say they are still saying that they reported the account accurately. I asked them if anyone there knows that it was an executive order signed by the president that protected everyone if the accounts was up to date and if you look at my credit card account I was doing just fine. I have tried numerous to rectify this problem but to no avail they still wan to do what they want to do. They told me to write a dispute to FCRA - Credit Bureau XXXX XXXX. XXXX XXXX XXXX, DE ... this is a company inside of Barclay so they are not doing anything and trying to ruin not only my credit but so many others. This is a waste of time.

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 2023-11-09
Company: Experian Information Solutions 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 have went over my credit report once again and i have a few accounts that i did not open. Please help me get these accounts removed they are affecting my credit score drastically. I did not open these accounts.

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 2023-12-18
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute and request the correction of inaccurate late payment information on my credit report. After careful review of my credit report, I have identified discrepancies related to the reporting of late payments. I am seeking your assistance in correcting this matter promptly. 
Below are the details of the late payment information that requires attention : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I acknowledge that there was a late payment on the mentioned account, and I take full responsibility for the delay. However, I want to bring to your attention that the late payment has since been settled. I discovered the oversight promptly and made the payment as soon as I became aware of the delinquency. 
I understand the importance of accurate credit reporting, and I am kindly requesting your consideration to update the late payment status on my credit report. I am not disputing the fact that the payment was initially late, but I am requesting that the credit report reflect the resolution of the issue that is, the payment has been made and the account is now current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: Aldous & Associates, PLLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute an item on my credit report that contains inaccurate information. I've explained to representatives at the Company several times that this is not my debt and that I'm not affiliated with the primary account holder listed on this debt. I requested debt validation from the Company. 

I received two documents. ( 1 ) A statement with some else 's name on it. ( 2 ) A document with my name E-signed as a cosigner including IP address. The signature is not mine or wet. The IP dress is able to be looked up as belonging to someone in XXXX XXXX, LA. ( I've never lived in XXXX XXXX ). 

This should be removed from my credit report because : 1. The signature on the account does not match my true signature.

2. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to be licensed or registered in the states where they collect debts. This collector is NOT licensed in the state of Louisiana to collect.

I can verify my signature with a license. I will not provide my license to the Company. It is the burden of the collector to prove this debt is mine, in which they have not done. They're not legally allowed to do business in my state. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 requested a copy of my credit report. In XX/XX/2022. I noticed a few hard inquires that I did not authorize. I immediately reached out to the three main credit bureaus. XXXX, XXXX and transunion. I called and sent letters. The inquires were removed from XXXX and XXXX however transunion is still reporting this inaccurate information. 

Inquires : XXXXXXXX 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 2023-09-02
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The consumer reported on my XXXX and experian report from XXXX XXXX The property is XXXX XXXX. Not only did I live at XXXX XXXX XXXX  address at the same time it was reported. The rent recovery company has a different social security number from the one that I have. This was clearly identity theft and not mine. XXXX is still reporting it without removing it off of my credit.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records LISTED BELOW. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy! 5 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation