BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-23
Company: EQUIFAX, INC.
State: AZ
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:
The unverified items indicated below to continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America call center operator informed me that they would waive my {$64.00} late charges and now unwilling to do so even after I paid for the balance that was due.

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 monetary relief
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX andTransunion on XX/XX/XXXX once again to uploan the supporting document to show that this bankruptcy was not verified though XXXX XXXX or the Courts. I have also mail these document three times in the past, the most recent was XX/XX/XXXX. I received no response from Transunion, or XXXX. I would like them to remove this bankruptcy off of my credit report immediately.. Please review my supporting documents in which I have uploan on XX/XX/XXXX. As you can clearly see my document state that they do not report to credit bureaus or any credit reporting agencys. XXXX XXXX has removed this item as of 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 explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, 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 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 these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 2020-03-13
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:
I tried to refinance my car today XX/XX/20 and I was denied because of accounts/inquiries reflecting badly on my credit report. I did not open an account with any of the companies I listed on this report nor did I allow anyone to open an account with those companies using my personal information. I do not have any type of relationship with these companies nor did I ever allow them to run or access my credit information. I did not benefit anything from these accounts being open in my name and I have already filed a police report. I have filed this report to the best of my knowledge regarding these unauthorized items on my my report and I am willing to work with law enforcement to get this issue cleared up.

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 2019-01-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I needed to update my credit report because I found several items that are not accurate My name is XXXX XXXX XXXX please remove any other variations of my name. My employer is XXXX XXXX XXXX ( XXXX ) I found addresses that do not belong to me on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have included my ID ans SS info for proof of address.

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 2024-01-05
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: Public record information inaccurate

Complaint:
On XX/XX/2023 I contacted the following credit bureaus, XXXX, and Transunion, by United States Certified Mail. I filed a dispute that while reviewing my consumer reports, I saw that inaccurate information was being reported in violation of Federal law 15 U.S. CODE 1681 e Compliance of procedures ( b ) Accuracy of report state that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report elates to. I disputed this information, I then received a response stating that the item remained unchanged from there processing of my dispute in XXXX of XXXX. On XX/XX/2023 I contacted these companies and filed another dispute requested there method of verification they claimed that the creditor that reported this account verified this inaccurate information, and as a result these companies used this as a method of verification and verified this information on my consumer report. I then requested that XXXX and Transunion follow suite like XXXX XXXX, and XXXX and delete this inaccurate information. On XX/XX/2023 I received a response from XXXX in this response they state under public records that the company that reported the information has certified to XXXX that the information is accurate. They also state that this item was not changed as a result of the processing of this dispute. I would like to state that I have received a certified letter from the UNITED STATES BANKRUPTCY COURT OFFICE OF THE CLERK SOUTHERN DISTRICT OF FLORIDA, IN THIS CERTIFIE DOCUMENT THE GOVERNMENT clearly state that the bankruptcy court does not report or transmit bankruptcy court records or any other information directly to credit reporting agencies... With this being said I am requesting that this inaccurate information be deleted immediately since in this case the Bankruptcy court is the creditor and they have provided me with a certified document stating that they have provided no such information. XXXX And Transunion are in violation of federal law and this account must be deleted immediately based on Federal LAW 15 U.S. CODE 1681 e Compliance of procedures ( b ) Acccuracy of 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 non-monetary relief
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This complaint to EXPERIAN for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Ad Astra Recovery Services Inc
State: NV
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 attempted several times to rectify my issue with XXXX and XXXX regarding a collection account that is showing open from collection agency AD ASTRA account # XXXX with a balanced owed of {$780.00} when in fact it has been paid. I tried contacting the collection agency but all I get is very rude and bad customer service to the point where it up with me hanging up on them. I submitted disputes with XXXX and XXXX and after receiving their investigation report the problem was not resolved, I ended up calling both companies to speak with a representative and asked why the item was not updated correctly. I advised them that they are required to report accurate information and that if they did fix the problem that I would file a complaint. They stated that they are going off of what the collection agency is telling them and which is correct. I told them absolutely not and that they need to correct this immediately and it's just been very irritating going in circles. I am enclosing documentation to support my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My main complaint about PNC is that their system has a closing date for my recent Home Equity Line of Credit Loan as XX/XX/2021. They set my first payment due on XX/XX/2021, even though I've never had a loan due the month after closing. They are saying that only first mortgages require this waiting period. Is that true? 

The closing document has " XXXX XXXX Date : XXXX '' but no month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
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: Account information incorrect

Complaint:
Trans Union Consumer Disputes Center and XXXX are incorrectly reporting an account that doesn't belong to me. The account is not mine. I have reached out the past 90 days to the Bureaus with no response. I am currently preparing myself to file a law suit. I have been a victim of Identity Theft in the past. I provided a certified and signed letter of dispute that was accompanied with police report. Account Name : XXXX XXXX Account number : XXXX Account balance as reported by the bureaus {$900.00}. Under the Fair Credit Reporting Act the Credit Bureaus were to respond to my dispute within 4 Business Days of receipt. They failed to do so. This account needs to be REMOVED and DELETED from my credit. It is ERRONEOUS and truly has hurt my credit worthiness. The Bureaus have failed to provide the proper information in removing this account while also violating the FCRA. Under the FCRA section 609, I asked to be provided the ORIGINAL CONTRACT on File with said Creditor and the Bureaus failed to provide me with it. Thank you for your prompt response to this matter.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 U.S.C. 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and XXXX have gotten into hands of the wrong person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It has been several attempts to delete misleading, fraudulent, inaccurate, and incomplete information on my credit reports. The credit reporting companies have refused to properly investigate and delete requested information from my report. Please help, this is a violation of consumer protection of privacy under FCRA.

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 2022-06-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I XXXX XXXX date on XX/XX/22 am demanding Wakefield and Associates to provide me a validation of debt pursuant to 15 U.S. code 1692g, and also, who gave you the rights to violate my rights to privacy?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in 2017 myself and my family were going through a hard time. We called our mortgage provider, Wells Fargo and they advised we could put out loan in forbearance. When that time was up and we called they denied me a loan modification and in the end they foreclosed on my home and myself and my family were devastated. It was my first home and just gone because we were not given the option of a loan modification.

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 2022-03-23
Company: EQUIFAX, INC.
State: MI
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:
in accordance with the Fair Credit Reporting act, Equifax has violated my rights. 

15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) ftc report number XXXX XXXX XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

DEPT OF ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: SLM CORPORATION
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have 8 loans with Sallie Mae. I refinanced 4 loans so that the balance should be XXXX. Instead of taking refinance and allocating it to the 4 specified loans, Sallie Mae took the money and allocated it across all the loans I have with them such that there is still a balance on the loans that should have been at XXXX. I am having trouble having them reallocate the money so that the 4 specified loans are at a XXXX  balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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