BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
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:
My name is XXXX XXXX XXXX On Report The Name ( XXXX XXXX XXXX ) should be removed from report. Fraudulent Name Please Remove From Report In accordance with the Fair Credit Reporting act. 15 USC 1681 The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXXXXXX XXXX XXXX  : Account XXXX XXXX XXXX : Account XXXX XXXX XXXX  : Account XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Account XXXX XXXX  : Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Account XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX : Account : XXXXXXXX XXXX XXXX : Account # XXXX The Following Inquiries I Dont Recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Accounts Are Not Accurate And Have Been Reported Causing Me Many Issues. 

Please Correct And Investigate The Following Accounts Within The 15day Or Less Time Frame. 

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 Please Remove According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than XXXX. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with thee Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681Section 604 A Section 2 : also states a consumer reporting agency can not furnish account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto 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 explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: GA
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:
There is an account on XXXX that isn't mine and needs to be deleted immediately. I have disputed it and it still remains on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: NV
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:
In accordance with the Fair Credit Report act. XXXX Acct : # XXXX and XXXX  XXXX XXXX Acct : # XXXX  and XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Acct : XXXX and XXXX XXXX ( Original Creditor : XXXX  ) Acct : # XXXX and Personal Information XXXX XXXX XXXX XXXX XXXX AZ XXXX and XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. ( 15 U.S.C 1681 section 602 A. States i have the right to privacy. ) 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: LA
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:
Delete all hard inquiries : How you delete everything on your credit report statement : ( collections ) They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2. The law clearly states the credit bears have 5 ] days to notify me from when they receive my disputes.

They also violated my rights under 5 USC 1681 Section 611 ( 6 ) ( a ) ( i ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting hall prompts delete the information from the file of the consumer. The credit Bureaus never did a preparer investigation according to the FCRA.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumer 's character general reputation personal characteristics or mode of living is obtained through personal interview with neighbor 's friends, or associates of the consumer reported on or whom he is acquainted or who he may have knowledge concerning such items of information. 
They did not do this. 

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 Delete ALL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: RMS-Recovery Management Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been contacted by Recovery Management Services on the dates of XXXX, and XXXX. I made it known during the first phone call on XXXX that they are not to call me, and that I can not take calls as I work from XXXX to XXXX, however, the same individual proceeded to contact me again on XXXX. Once again, I informed the individual, from Recovery Management Services, that I had told them before not to call me, and that I did not appreciate them harassing me, which resulted in the individual proceeding to threaten that things would only get worse if I didn't pay, and that they were going to have to proceed to the next step of debt collection, further harassing me despite me telling them at the beginning of the phone call not to contact me and that I was working. I proceeded to get harassed by this individual for the duration of the phone call about how bad things would happen if I didn't pay, and that I would have to pay eventually. The individual calling from Recovery Management Services also has not provided me the exact amount I owe, although stating via phone call that I owe excess of {$8000.00}, despite the amount owed to the original creditor being around {$7200.00}.

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 2022-03-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have already sent multiple requests last XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX  Please remove the following accounts completely from my Credit Report. 
XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {XXXX} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Avant Holding Company, Inc.
State: TX
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:
On XX/XX/XXXX and XX/XX/XXXX two fraudulent charges hit my Avant credit card account. I called customer service, the canceled my card. To date I have received nothing in the mail and the charges have not been resolved. On XX/XX/XXXX I received an email notification that my email address had been changed. I called them again. No one gave a $ hit that someone has hacked my account, again! Then on XX/XX/XXXX I received a letter in the mail Dated XX/XX/XXXX that someone had changed my mailing address. I called the fraud department who transferred me back to the incompetent people who you CAN NOT UNDERSTAND in customer service. I told her I wanted a manager and that I would be complaining to this agency. She put me on hold and conveniently I was disconnected. Called back again! Got an email address for a XXXX in fraud to contact. What a joke!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: GA
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
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 non-monetary relief
Consumer complaint received 2019-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for Bank of America Credit Card. 

Bank of America sent me letter that there is problem getting my score. 

When I contacted them they said I have fraud alert on my credit file and I need to add phone number. 

I tried with Credit Bureaus and I was unable to add phone number after several attempts. Their website keeps giving error. 

Now I see hard enquiry on my account from Bank of America. 

At this point my credit card has not been APPROVED or DENIED. 

I requested bank of America to withdraw application and remove hard enquiry since I am withdrawing it before decision being taken on my account but Bank of America says they cant remove that hard enquiry. 

Therefore, my request is to either 1 ) Take decision since hard enquiry has been made or 2 ) Remove hard enquiry from account since as per BOA, I have fraud alert on the 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 2019-07-15
Company: ASSOCIATED BANC-CORP
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Hi, In early XXXX, I lost my wallet. I called Associated Bank and ask for them to overnight me a replacement card. Associated Bank told me I had to wait 7-10 business days. In the interim, I had a hold on my account. Associated Bank only has locations in Wisconsin, I live in Maryland, I could not go into a local branch. I waited 10 business days and I had no received the card. I called back and was told they forgot to order the card and it would be another 7-10 business days. I couldn't go 20 days without access to my money. consequently, I started an new account at a local bank. I asked associated bank if I could cancel my account without coming in to a local branch. I was told the only way was to bring the account to XXXX  balance. I transferred ( what I thought ) was all the funds in Associated Bank into the new account I started locally.my money to a new account.I thought I switched all my reoccurring withdraws to the new account. I forgot to switch my student loan payment to new account. The payment is due every month on the XXXX. On XX/XX/XXXX, my student loan payment went to Associated Bank and was denied and I was notified. I switched the account info for XXXX 's payment. I called Associated Bank to find out what happened in XXXX because I got the notice about XXXX 's payment. I was informed, I had accidentally left XXXX dollars in the account thus it was still open.they also told me that I owed the difference of the my student loan payment and a bunch of fees. the fees were nearly XXXX worth of charges. I explained to the representative the situation and that I would pay the difference plus {$35.00} dollar overdraft fee. The representative agreed. the next day I mailed a check to the address I was given. On XX/XX/2019 they cashed the check for {$220.00}. I explained to the representative that I wanted to have this account closed and sever my relationship with the bank. I wrote FINAL PAYMENT and Close Account on the MEMO line of the check. I called Associated Bank today, I was told I still owe {$47.00} dollars and the account can not be closed until they receive payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a payment to my Wells Fargo Visa credit card through transferring the amount of {$4000.00} on XX/XX/21. I monitor the available credit on my cards to maintain a low balance and to help protect against fraudulant activity on my accounts, in doing so I noticed on XX/XX/21 I had an available balance of {$3400.00} for my Wells Fargo Visa which has a credit line of {$5000.00} so I made a payment of {$1600.00} on XX/XX/21 to keep my balance at {$0.00}. Today ( XX/XX/21 ) I signed on to the online portal and to my dismay I saw an available line of credit of ~ {$270.00} which tranlated to me owing {$4700.00}. 

I immediately called the Wells Fargo Customer support line as the math didnt make sense as the transactions including pending transactions didnt total the balance shown. Upon being transferred to the XXXXCustomer Advocacy ' team I was informed that they had a 'glitch ' which applied a duplicate payment to my account and they 'fixed " the glitch. I proceeded to inform the agent that this was completely unacceptable as I had received no communication or advance warning of any these issues and she proceeded to search for a communication or bulletin. After about XXXX minutes of putting me on hold she was unable to refer to any artifacts sent to me notifying of the event and the redaction they applied to my account. I have no fair in their accounting and am now concerned what other alterations have been made to my account without my knowledge.

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 2023-09-04
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 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 non-monetary relief
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXXXXXX XXXX XXXX XXXX Open date XX/XX/2021 Account number XXXX Amount {$1000.00} high balance of {$1200.00} Contacted XXXX  XXXX in regards to this account that is reported in my Transunion credit and was inform that the account in question was not mine. However, they did nothing to try to assist me in removing it out my credit. I can not apply for a mortgage loan due to their negligence of reporting inaccurate information in my credit which cause my credit drop significantly. This home will not stay in the market for long. 

TransUnion accepted information from companies without asking the companies to confirm the validity of the debt to the consumer. Neither the accounts, addresses, inquiries that were placed in my credit was actually mine. For they negligence my credit has suffered significantly. Their negligence has caused me not to be able to meet the credit criteria/standard for a mortgage loan that I was negotiating the price of a home.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: NY
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:
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. 

XXXX XXXX : # XXXX, XXXX  XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, Hard inquiries : 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 an 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 XXXX 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 explanation
Consumer complaint received 2023-09-04
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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation