BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the removal of incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

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 2023-08-26
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: Their investigation did not fix an error on your report

Complaint:
I am formally requesting for your further assistance and to dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. This XXXX XXXX XXXX XXXX Balance : {$4700.00}, should be corrected right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: EQUIFAX, INC.
State: DE
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:
In XX/XX/2020, I submitted a identity theft report to Equifax in reference to several accounts that were not mine. All of the accounts were removed from my report. On XX/XX/2020 Equifax reinserted account number XXXX XXXX XXXX XXXX XXXX back on to my credit report. On XX/XX/XXXX, I mailed Equifax a letter requesting the removal of the account due to the fact that Equifax had not submitted, in writing to me within the required 5 days that the account was reinserted as required by the FCRA. Equifax received the letter of XXXX XXXX. Equifax then changed the report date again to XX/XX/2020 to account for the missing 5 days. On XXXX XXXX i then received a letter from Equifax dated XXXX XXXX which would still violate the 5 day rule as it states that I was to RECEIVE a letter of notification WITHIN 5 days, not dated within 5 days. As of today, Equifax has not removed the account as they are in direct violation of the FCRA guidelines and I am demanding that the account be removed. All supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: BARCLAYS BANK DELAWARE
State: CT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back in XX/XX/XXXX, I won a chargeback against a company called XXXX for {$70.00}. After multiple phone calls, XXXX admitted that I won the dispute, but they never issued the corresponding credit to my account. On XX/XX/XXXX I called XXXX again and they indicated they would escalate the case to their disputes department, and I could expect the credit in XXXX days. A month later, the credit had still not been issued. On XX/XX/XXXX I called XXXX once again and was told a follow-up would be created and the credit would be issued in XXXX hours. As the final deadline has passed, I am submitting this complaint.

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 2019-05-21
Company: Experian Information Solutions Inc.
State: OK
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 an attempt to correct my XXXX, EXPERIAN, and XXXX credit report ( s ). I have identified fraudulent inquiries and fraudulent accounts. Please block all of the accounts listed below : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XXXX with balance {$3000.00} XXXX XXXX XXXX with balance {$110.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These are the accounts I request to be removed permanently from my credit report ( s ). Please block these accounts. The accounts are fraudulent, unverifiable, and violate my consumer rights.

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 2023-08-26
Company: EQUIFAX, INC.
State: NJ
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:
This is another complaint I am submitting directed to XXXX and Equifax Credit Bureaus, as I can see the XXXX have made some changes in my XXXX credit report. But the Equifax that had only one fraudulent inquiry left they haven't removed it yet up until now. So please I am kindly requesting the CFPB to please help me in immediate solving of this issue by administering the deletion of these remaining fraudulent inquiries. Here are the remaining inquiries that NEEDED to be REMOVED : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: FL
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 am submitting this CFPB to request to you to remove the late payments on the account 's payment history. I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. Please correct the account : Equifax : XXXX XXXX XXXX XXXX XXXX : {$8300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have filed a complain with this company a year ago, XX/XX/2019 and received no solution. This company was included in a bankruptcy filed for myself and my husband, who is a joint debtor, in XX/XX/2019 and also does not have a surety bond to collect in the State of Texas. According to Texas Finance Code  Section 392.101 requires that a third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. Therefore, I am requesting this company to cease collection efforts and stop reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Scam callers using the website XXXX calling from XXXX. These people had my wifes full social security number, date of birth, addresses, wells fargo account numbers and drivers license number. We confirmed there is no such debt but many people are reporting their being called as well with the same kind of data on hand. I believe that Wells Fargo has experiences a databreach that they have not disclosed. XXXX XXXX XXXX the number of complaints is growing all with the same story and it started late XX/XX/XXXX around the same time their website XXXX was established.

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 2022-11-10
Company: Experian Information Solutions Inc.
State: FL
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 am submitting this CFPB to request to you to remove the late payments on the account 's payment history. I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. Please correct the account : Experian : XXXX XXXX XXXX XXXX XXXX : {$8300.00}

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 2022-05-05
Company: Experian Information Solutions 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 XXXX Account # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX Account # 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.

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 2020-03-09
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX - Dispute letter to collection XX/XX/XXXX - Validation letter to collection XX/XX/XXXX - 2nd Validation letter to collection XX/XX/XXXX - 3rd Validation letter to collection XX/XX/XXXX - {$32.00} INS fee from my bank for a {$930.00} check # XXXX from collection XX/XX/XXXX - CEASE & DESIST letter to collection ; XXXX  Complaint and Kansas AG Consumer Complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: The Allen Daniel Associates, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My name is XXXX XXXX. I have dropped out of XXXX XXXX College after three days due to getting XXXX. I had financial aid, but now they expect me to pay. I can not afford to pay for this.

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 2023-06-07
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
Toyota Financial Services has been incorrectly furnishing payment information on my XXXX, XXXX, and XXXX consumer report. Pursuant to 15 USC 1666b I am to receive my statement 21 days before the due date ( Please see attachment ). According to the statement date, I did not receive my statement 21 days before the due date. Since XXXX of XXXX, the statement date and the day that I got the statement in regards to the due date has never been 21 days. The statement date in XX/XX/XXXX was XX/XX/XXXX and the due date was XX/XX/XXXX, which is only 17 days. Every month subsequently has been incorrectly numerically dated ever since. I was not late in XXXX of XXXX. The payment was made before the 30 days period was up. In fact, Toyota Financial Services never sent me the billing notice according to 15 USC 6802 or any disclosures indicating what my rights were. The bill on the online account does not include any of the disclosures required by California law. I never received all the proper disclosures from Toyota Financial other than the option to opt out of marketing by third party non-affiliated parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2020 we my wife received a welcome letter from Bank of America thanking her for opening both a savings account and checking account with them. She didn't do either. We received the letter on Monday XX/XX/XXXX, we immediately visited the closest BofA branch on Tuesday the XX/XX/XXXX. We talked to a banker who called the BofA Fraud department who only said they would look into it. The banker told us the only way to open an accout was to walk in to a branch with ID and Soc Sec number or valid ID. 

On XX/XX/XXXX we received a letter stating " We've completed our research on your claim listed above and determined you are not the person responsible for opening the account '' " At this time we consider your inquiry resolved and no further action is needed. '' This is not acceptable we want to file a police report with the copies of the ID used and or email address used. We met with the manager of the branch today and she contradicted the banker saying someone could in fact open up an account on line. We need to know how it was opened and what ID 's they used to open it. 

I have called the Bank of America Check Fraud department and they refuse to give us any information saying it would have to be subpoenaed. This is all 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 2020-03-09
Company: LEXISNEXIS
State: AL
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:
Upon review of my LexisNexis credit report I found that they had two social security numbers which were not mine, an address I have never been associated with, wrong birth date, and a suffix to my last name ( XXXX  ) which I am not a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America wrongfully closed my credit card account for literally no reason at all back in XX/XX/2022 even though I was making consistent on time payments and never had any issues with making payments. 

They have no right to close my Credit Card account because I'm the one that extended credit to Bank of America via my SSN and they used my application as collateral security to establish the account ( Federal Reserve Act Section 16 Parts 1 & 2 ). Banks have no power to issue anything, the powers and duties of banks are TO BORROW. Bank of America didn't extend me credit ; I extended credit to Bank of America. Therefore, I hold all Titles, rights, and am owed all security interests on this account. 

I have reached out several times to get my credit card reopened but they have willfully and negligently denied and discriminated against me from accessing my own credit. 

They went on to charge off my account and sold it to a 3rd Party company ( That I never consented to have my PERSONAL non-public information sold to, which would be Identity Theft ). Bank of America has clearly severely violated my consumer rights and I am looking to get all damages owed back to me.

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 2022-03-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I mailed a dispute to Experian asking that they look into XXXX bankruptcies being reported on my credit report. Experian incorrectly confirmed that the bankruptcies belonged on my credit report. I was sent a confirmation on XX/XX/2022 Experian says that they confirmed the Bankruptcies thru a company called XXXX. a third party company It is the responsibility of a credit reporting agency to verify information at it's source confirming Social Security number, Birthday and Name. No Federal court will provide this information under federal rule of Bankruptcy procedure 9037. Knowing this I already contacted XXXX and requested a consumer report from that company. XXXX sent me the requested consumer report which I received on XX/XX/2022. There aren't any bankruptcies showing on my XXXX XXXX consumer report. XXXX is not showing any bankruptcies. Experian should not have been able to verify public records with XXXX. XXXX is not showing any bankruptcies on my consumer report. It isn't possible to verify something when it isn't there.. XXXX has committed a grave error against me and my family and we have suffered irreparable harm due to the blatant intent of Experian to cause me harm. Please see attachments which includes my initial letter to Experian dated XX/XX/2022 Experian acknowledgement of receipt of dispute dated XX/XX/2022 Experian investigation response dated XX/XX/2022 A copy of My XXXX consumer report dated XX/XX/2022, I am demanding that the XXXX bankruptcies showing on my Experian consumer report be immediately removed.

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 2022-07-20
Company: Selene Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am requesting a detailed explanation of the late fees of {$370.00} charged to my account, as noted on the attached statement with a due date of XX/XX/2022. Also please forward the reason {$1000.00} was placed into a suspense account and not credited when received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Experian Information Solutions 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:
XX/XX/2020 RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : Item # XXXX XXXX XXXX # XXXX I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Reason for Deletion This account is inaccurately reporting late payments. The original balance is {$0.00} and over the life of the account the balance remained {$0.00} until the account was It is impossible to have a late payment on an account with a zero balance. 



According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be  reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Social Security # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief