BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: EQUIFAX, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX  XXXX XXXX and XXXX  XXXX XXXX. Please delete these accounts ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: NY
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:
This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 reported that the student loan is not me on the my credit report with Transunion also sent is a identity affidavit which they receive XX/XX/XXXX upon their request. Ye they still wont remove the the item from my credit report. Although I was told they would remove student loan and other accounts not mines. These is unlawful and unauthorized XXXX XXXX XXXX US DEPARTMENT OF EDUCATION XXXX DEPT OF ED/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 2023-09-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition.

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

Complaint:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I've actually already run through your complaint process on this and you closed my complaint without addressing any single issue I've had with the company. 

Likewise, Wells Fargo has absolutely refused to address any of the material elements of the case I've raised with them. They simply say " no. '' This is absolutely unacceptable and I don't understand how the CFPB is representing my interest in this at all. 

In XXXX, I contacted Wells Fargo regarding my auto loan. It was slightly behind ( largely due to my business experiences with the COVID crisis ). I was set to get everything up to date but was waiting for new checks to clear so I could make a payment to catch up without issue. I called Wells Fargo to advise them of this. That I was sending a check dated XX/XX/XXXX and was concerned that it might not arrive on time. I was told that there was no problem with this and everything would be fine. I also advised them by phone that as soon as several other checks ( in hand ) cleared, I planned to catch up with the balance and never fall behind again. Again, they told me on that phone call that everything would be fine. 

The next communication I received from Wells Fargo was that my loan was no in " charge off '' status despite my outreach to them. 

In a follow up phone call, I was told my check ( dated XX/XX/XXXX ) cleared their system ( again conveniently ) on XX/XX/XXXX. On day " late, '' again, despite my open communication with them. 

Since then, through a series of letters and phone calls, Wells Fargo has informed me that they, conveniently, have no record of my call. Also, that the date my check cleared their system was actually XX/XX/XXXX. A date that was never mentioned in any communication from them before that phone call. 

I've provided written documentation of both my check and my phone call. To be clear, a printout of my phone records showing that a call was made to their offices on XX/XX/XXXX despite their insistence that they have no record of that call. 

This has resulted in upset over the status of my car and loan as well as negative reporting on my credit impacting my ability to get another car loan to rectify the situation if, indeed, the facts don't matter and we need to find another solution to this problem. 

I filed a complaint with your offices and had an experience that only seemed to grant Wells Fargo the benefit of the doubt over my claim. 

As I said initially, I would happily submit my hardcopy documentation to back up this story with evidence. But no one has followed up with me on this, either. 

I hope you at the CFPB will treat this issue seriously

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 2023-08-08
Company: Experian Information Solutions Inc.
State: TX
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 did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2023-06-27
Company: Experian Information Solutions Inc.
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-27
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/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 2021-03-23
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted a number of companies to get quotes to refinance my mortgage on XX/XX/XXXX. Mr. XXXX XXXX from Amerisave called me after I submitted a request online. Mr. XXXX told me I should complete the application that day and that the cost and rates will be the lower of the day I sign the application or when I am ready to close. In mid-XXXX I received an updated loan disclosures showing the cost of the points rising from {$420.00} on the initial disclosure to {$9500.00} on this new disclosure. I called Mr. XXXX who said that I should not worry since the cost of the loan will not be any higher than quoted on XX/XX/XXXX. When I asked for a document verifying this information, he said he would have to ask his supervisors for it. I eventually received an updated disclosure that reduced my points/fees to {$4700.00}. When I asked Mr. XXXX to honor the initial rates he provided when I signed the application, he again said he would need to speak to his supervisors. He never called me back. After that point, he stopped returning any of my phone calls or responding to my emails. The last time Mr. XXXX and I spoke was on XX/XX/XXXX. Amerisave continued to send me documents that needed to be filled out. The first was a set of documents pertaining to the subordination of my HELOC. The second was a rate lock document. I refused to complete any of their requested forms because I refused to pay the additional fees they were now charging. Yet somehow, my refinance was approved, the rate was locked, and the documents for the HELOC subordination were no longer necessary. I made numerous calls to Amerisave, beginning on XX/XX/XXXX, to cancel my mortgage application. Almost everyone I spoke with said Mr. XXXX had to cancel it. After explaining that he was not answering my calls, I was able to work my way up the chain within Amersave to cancel the application. Mr. XXXX employs deceptive practices in getting people to sign an application with Amerisave. The costs promised were not honored.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
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: 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 with account # XXXX opened on XX/XX/XXXX and a balance of {$34000.00} XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5500.00} DOE XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$6100.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$41000.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$6400.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$210.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$41000.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$38000.00}. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX  XXXX with account # XXXX and a balance of {$27.00}. The original creditor is XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there. And some of them are reporting inaccurately and are fraudulent account.

Company response to consumer: In progress
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently disputed the information showing late payments because it was affecting me from getting housing. However I have been XXXX days late due to recent separation/divorce. Now XXXX XXXX is reporting that I have missed payments all the way back from XX/XX/XXXX. This information is inaccurate. And I would like for the inaccurate information to be removed. I have proof that I havent missed payments since XX/XX/XXXX. I will reach out to my bank to get proof of payments from XX/XX/XXXX to XXXX XXXX. I will attach XXXX till now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: Experian Information Solutions 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 2021-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To all this may concern, On XX/XX/XXXX there was a transaction for an XXXX made through XXXX. The amount was {$820.00}, The transaction process was in a pending status until XX/XX/XXXX and then cleared. However the transaction only ended up totaling in the amount of {$590.00}. XXXX credit me the difference in the amount of {$300.00}. When the XXXX credited me, my bank then placed a temporary authorization transaction in the amount of {$820.00} sending my account balance to - {$510.00}. The problem I have with this is that the transaction clearly went through and the authorization has cleared however they placed the {$820.00} Temporary authorization, on Sunday XX/XX/XXXX immobilizing myself and my account in the amount of - {$510.00}. Ive also saw trending. They seem to do this only when its convenient for them or when it will cause me problems. They pick and choose when to do things of this nature and this is not the only time Ive reported this Ive never had this problem with any other financial institution ever. Now theyre saying I have to wait three days. This was done to inconvenience me!!! Or to suit some other agenda that I am unaware of. After calling today ( XX/XX/21 ) and speaking to several managers, they refuse to fix the issue.Ive called and spoken to several managers. The first manager XXXX I spoke with seem to think that things were funny and thought me being in a rage was even funnier ( Snickering and laughing ) I then called back and spoke to another manager name XXXX who then told me she was transferring to the correct agent, and sent me back into a que. After calling back right after I spoke to an agent and requested a manager and he also sent back into another que. Ive never been treated so horribly by a financial institution and my energy is literally sapped from being in a rage with this, and their poor level of customer service. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Fraudulent account was opened under my name, bank still has not closed account. SYNCB/Amazon. account opened XX/XX/22 fraudulently, credit frozen immediately by myself, notified bank same-day, have not received any followup from bank, refused to provide claim number or send followup paperwork. continued to mail card to house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: CA
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:
As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information on my credit report. I urge you to thoroughly investigate this matter and verify the accuracy of the repossession entry. If it is found to be erroneous, I request that you take the necessary steps to remove it from my credit report. 

I understand that the FCRA requires you to investigate and respond to disputes within 30 days from the date of receipt of this letter. Therefore, I would appreciate your timely attention to this matter and a written response outlining the results of the investigation. 

Date reported XX/XX/2023 Amount {$18000.00} Date reported XX/XX/2023 Amount {$17000.00} This collection is closed but still on my report, still reporting false and inaccurate information. Dates and amounts are different on each one of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation