BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Bank of America by mistake ( confirmed and received a letter acknowledging and attached to a dispute to XXXX ) reported a credit card account that had been settled and closed on my credit report for several years to XXXX as open. This mistake as negatively affected my XXXX XXXX from XXXX. As of XXXX, my XXXX and XXXX reporting agency 's are reporting XXXX an XXXX respectively and XXXX is XXXX XXXX because of this mistake. I am closing on my home and have asked my loan officer to hold off until XX/XX/XXXX before pulling my credit to try to get this fixed. 

I have filed approximately 3 disputes with XXXX and called approximately 6 times and got different representatives and requested that these front line representatives to escalate this issue to a supervisor to get addressed immediately as a time sensittive matter that will affect my livelihood towards my interest rate on my loan. Frustratingly, no representative has been able to escalate this issue to a supervisor or someone who could take immediate action. The first XXXX dispute were closed but with a resolution that is incorrect and the account remains now in an open status from an account that has been listed historically under closed accounts with a XXXX balance. To take a hit on a closed account a second time in error and to not have controls to protect a consumer from a gross error is unacceptable that is wrongly driving my score down by XXXX points. 

Please! Please! help to resolve this issue before XX/XX/XXXX so that when my report is pulled as my loan company takes an average from all agencies they calculate XXXX vs the an inaccurate value of XXXX when pulled. 

If someone can call me at XXXX that would be great. If it is possible sue or get a lawyer for damages on this inaccuracy please advise. I was also a victim in the leak from XXXX and to have to go through this again with another incident is unacceptable. 

Thanks for immediately looking into this issue.

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 2021-06-15
Company: SF VAGO, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I WAS PROVIDED A COVID RELIEF EXTENSION THAT WAS FOR TWO MONTHS. I WAS ADVISED IT WOULD BE GRANTED FOR THE MONTH OF XXXX AND XXXX WHICH WAS MISCOMMUNICATION ON THE REPRESENTATIVES BEHALF. ME BEING MISINFORMED LED ME TO MISSING XXXX PAYMENT BECAUSE THE EXTENSION WAS ACTUALLY FOR THE CURRENT MONTH XXXX AND THE NEXT MONTH XXXX. IT WAS A COMPLETE MISCOMMUNICATION AND AS SOON AS I WAS NOTIFIED OF THE LATE PAYMENT I IMMEDIATELY PAID THE BALANCE TO CURRENT STATUS. I HAVE REACHED OUT EVERY SINGLE DAY TRYING TO FIX THE NEGATIVE MARKING ON MY CONSUMER REPORTS AS I BELIEVE THEY ARE INACCURATE. NO ONE CAN SEEM TO HELP OR FIX THE PROBLEM I HAVE PAID MY LOAN ON TIME SINCE XX/XX/2019 WHEN I RECIEVED THE LOAN. I HAVE NO LATE PAYMENTS ON MY CREDIT REPORTS OTHER THAN THE MARK FROM MY THIS PARTICULAR ACCOUNT. CAN THIS LATE PAYMENT PLEASE BE REMOVED FROM MY ACCOUNT AS I WOULD ASSURE YOU IT WILL NEVER HAPPEN AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
1. Security breach.

2.XX/XX/XXXXXXXX XXXX -I spoke with XXXX/Equifax. She said the flag on the port alert will be removed within 48 hours. Equifax call back number : XXXX. Confirmation number XXXX.

3. XX/XX/XXXX - The Equifax control number XXXX  has been closed. However the fraud alert is still active and can not be removed without written notification. This process is holding up my mortgage loan application from being approved per my load officer at XXXX XXXX XXXX.

4. Because of number 1 above. How do I remove my profile information from the Equifax database? I have major trust and customer service issues and their inability to resolve my issue ( removing the fraud alert at my request ) with this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: Account information incorrect

Complaint:
I just got off of the phone with one of the reps in the Special Services Department by the name of XXXX. I explained to her about how these creditors who are reporting on my Experian Credit Report negatively are not finding my personal information in their systems. I also reached out to the original creditors as well and they also confirmed that they can not find may information in their system as well. 
I spoke to a supervisor in Experian 's membership department who was able to find discrepancies which confirmed what I stated regarding these negative accounts reporting on my Experian Credit Report not being mine. He gave me the following Ticket Number : XXXX. He then proceeded to transfer me back to the Special Services department of Experian. This is when I spoke to XXXX in the Special Services department. I gave her the Ticket Number above and sh informed me that she did not see anything with that particular ticket number. So i explained to her my circumstance I was facing and she informed me that there was nothing further she could do because there is an existing dispute going on as of the XXXX of this month, which it should have been dated the XXXX of XXXX XXXX but I just learned, everything to submit new docs pertaining to my dispute, they are trained to start my whole dispute over again with a whole new date. Remind you, I'm submitting more documents because certain reps are claiming their not getting certain docs I'm sending over, but when I speak to other eps after I had already re-sent the docs again, their confirming its there. So now my whole dispute got pushed to the XXXX of XXXX, XXXX  and will be finalized by XXXX, XXXX, XXXX. 
Their computer systems need a major overhaul. The functions the special service department people have at their disposal need to be majorly overhauled as well. 
The communication with these reps need to be much better.

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 2023-10-30
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: Report provided to employer without your written authorization

Complaint:
I am saddened with the result that I got when I saw my credit report. I send many dispute and still you cant remove the inaccurate information. The furnisher failed to send me a proof to support their claim on status of these accounts and yet you guys are able to verify your account? How can you verify these accounts? How can you verify these when the furnisher cant? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-04
Company: EQUIFAX, INC.
State: IL
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 noticed that my profile report contains unauthorized accounts that are illegal. I'm concerned that you've included the following information in my credit profile and that you've neglected to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you distribute. Credit reporting laws require agencies to report only accurate credit data. Each step should be taken to ensure that the data detailed is completely accurate and correct. The accompanying data should be re-examined in this manner. After carefully pulling my credit report from your agency, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or inaccurate information because my information was exposed as a result of the Equifax data breach and may have ended up in the wrong hands. You are filing reports negligently and inaccurately, in violation of the FCRA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I'll seek a default judgment and file a class action lawsuit under TILA 1640 on behalf of at least 1 % of the corporation for violations, XXXX, and XXXX XXXX, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: WI
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:
I bought a car and the dealership shotgunned my credit without my permission. The dealership has been trying to help me rectify this however, both XXXX and Equifax are refusing to remove the unauthorized inquiries despite the dealership stating that they were in the wrong and that they ran my credit to so many lenders without my consent, without my knowledge or permission. Refusing to remove the unauthorized inquiries is a blatant violation of my consumer rights and a blatant violation of FCRA. Therefore, I demand that each bureau pay me {$1000.00} for violation of my rights and their blatant disregard of FCRA. 
I have attached correspondence with the dealership as proof that they have been helping me resolve this and that both XXXX and Equifax have refused to cooperate ; blatantly violating rules and guidelines as well as my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: FL
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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:
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 15 U.S.C 1681section 602 A. 15 U.S.C 1681 604 A section 2. 15 U.S.C 1681c. ( a ) ( 5 ) section. 15 U.S.C 1681s-2 ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/ RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX  XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


Sincerely, 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 2022-06-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: AZ
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:
There are XXXX addresses that are not correct and XXXX accounts with wrong information and dates and amounts that are wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is precluding/refusing to correct or investigate my complaint that my XXXX XXXX XXXX XXXX is being reported as having a {$250.00} balance when in fact it has no balance. Upon discovering it being reported inaccurately, I attempted to file a dispute using Experian 's online tools but the system refused to allow me to go forward, instead prompting me to upload documents in support or telephone. I attempted to comply with both instructions. I telephoned, but the automated voice system said that it could not locate my XXXX XXXX account- which makes no sense- so I could not proceed with my dispute. I also utilized the " upload '' link and received a " success '' message upon doing so. Nevertheless, days have passed and next steps have not been taken by Experian. The inaccurate information continues to be reported.

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 2021-06-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a Chase Sapphire Reserves credit card in XX/XX/XXXX which has an annul fee of {$450.00}. It came with an annual travel credit of {$300.00}. With COVID pandemic in XX/XX/XXXX, we would not be able to travel to use this travel credit.

In XX/XX/XXXX, Chase increased the annual fee to {$550.00} for this card, so I decided to close this account. During the closeout process, I asked about this unused {$300.00} travel credit due to COVID. The representative on the phone agreed to give me back {$100.00} credit and I would forgo the remaining {$200.00} travel benefit. I agreed and we started the process to close the account. Unfortunately, during this process, our phone call was disrupted. I called back right away, but got a different representative, who had no knowledge about our agreement and refused to give me the {$100.00}. 

They did offer to extend my travel credit to next year, but I did not feel to pay the higher annual fee, so I decided not to accept. We closed the account that day in XX/XX/XXXX and I paid off all the balances with the exception of this {$100.00} travel credit that Chase agreed to give me back. 

Since then, Chase has sent me demanding letters and phones calls for this. I explained the situation and their agreement with me and asked them to listen to the voice recordings and notes, but they continued insisting on the remaining payment, which I do not feel I owed them. The balances has grown to {$300.00}, which Chase finally wrote off in late XX/XX/XXXX an reported me to the credit bureau. 

As a result, my credit score has dropped by 193 points from XXXX to XXXX. This is an abuse of Credit to a very good consumer during a very difficult time of pandemics. Chase is abusing its power to ruin my credit history which took me years to build. I changed from a perfect credit score to a bad credit score consumer. 

I hope the government can step in this situation to stop this abuse. By the way, they did not offer any COVID relief to me. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation