BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, 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 AM A VICTIM OF IDENTITY THEFT!! I am in the home buying process and these fraudulent accounts are causing my family and myself a lot of emotional distress. I've been trying to buy a home and I am being impacted by these fraudulent accounts. 
There are several inaccuracies on my report that I didn't authorize these accounts, violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on XXXX card ending in account # XXXX I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. The negative reporting is harming my credit score.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See attached documents. Remove this personal information that does not belong 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 non-monetary relief
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: KY
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 account is not mine and I do not want to see this account in my credit report! Could you please remove it as soon as possible because its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have repeatedly asked Bureau of Medical Econcs to provide an original invoice documenting what this debt is for, along with any information that could help me identify exactly what this is for. I have no knowledge of owing the amount claimed of {$110.00} to XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

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 2023-02-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have submitted letters on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 The required notice of dispute was never entered within the 30 day time frame after multiple attempts - delete these accounts immediately pursuant to section 623. Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had these account for about 7 years, I had XXXX to deposit and went to the me I feel branch to deposit and was enticed to take advantage of the XXXX incentive. program and was told tof upgrade the account to premier plus. 

I have been displeased with chase over the last few months thus been funneling money to XXXX  XXXX. now they accused a {$25.00} fee ony my checking account I have had the whole time with chase. 

I combined to the lady, XXXX XXXX, who did absolutely nothing. at the XXXX branch that oversees to account therefore, she doesn't care, nor do I, so I want to close my entire accounts with chase and will gladly take my money elsewhere. 

I also want my {$25.00} back in will stand for inferior service and will not bank with chase again. I want everything removes and do not want my name on any mailing list with chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Avant Holding Company, Inc.
State: MI
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 had opened a new credit Card with Avant and did not receive any statements until XX/XX/2021. After receiving that statement I saw the I had missed my initial payment that should have been in XXXX however I never received an invoice by email, usps mail, or a phone call abut the payment. I was shocked and in tears. It also reported my account at a high balance because of the late charges they tacked onto my account. I immediatly made a payment and followed up with a phone call. 

The first two times I called the individuals both were able to hear me when I stated who I was but as soon as I let them know why I was calling they no longer could " hear me. So I tried a third time. This time I waited until I knew the person could for sure hear me before I explained my issue with what they reported on my credit. 

The lady was rude and unwilling to remedy the situation. She said it was not their issue that I didn't receive an initial statement. I asked what we could do to remove this from my account and explained how I made the payment as soon as I received the statement. She said they were not able to do that. I let her know that companies are able to remove items from credit if reported falsely or unfairly which in this case was true. She said it was their, the companies, policy not to do that. I asked for a copy of the companies policy where it states that and she could and would not show me documentation. As well as showing no documentation that a statement or phone call was ever made to me prior to them charging my account and reporting to the credit agencies. I also explained that I have been under much more stress lately taking care of my in-laws who are unable to leave the house due to mobility issues. I pick up groceries, prescriptions, mail, ect ... So I understand that I should have been suspicious that I didn't receive a statement in XXXX. However, with everything going on with them and myself. Not to mention the pandemic it was not on my list to keep track of the account receivable for this company. I did my VERY best to communicate with them and was shut with a door in the face ... 

I have worked extremely hard to take my credit back and because of their mistakes my score dropped 70 points! I am even now in tears writing this. All of the other accounts I have are paid 100 % on time and never over the high limit. 

I need help to get this company to be fair and true to my credit. I feel like they are taking advantage of individuals by not providing statements and then charging fees and negatively reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor, BMW FIN SVC has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called American Accounts and Advisors regarding a letter I received stating I owed a debt of {$670.00} regarding a charge from XXXX XXXX XXXX on XX/XX/2021 at XXXX XXXX. I spoke with a representative, provided the File # listed on the correspondence and was transferred to the line of an individual named XXXX. My call went to voicemail, at which point I left my name, call back number and the File # listed on the letter. As I was ending the call I received another. I switched calls and was informed the person calling was XXXX and she had just missed a call from my phone number. I informed XXXX that I had just left her a voicemail regarding a letter I had received. She proceeded to ask if she was speaking with ( my name ) and I said yes. She then disclosed the name of her company and read me the mini-Miranda. I had asked why she would do that without proper verification. She informed me that all she needed to proceed with the call was to verify my name. I stated, " Not according to the FDCPA '', at which point she told me I was incorrect and that she was required to disclose the name of her company and that the communication was from a debt collector on all calls, including voicemails, and did not require verification to do so. When I questioned this again, XXXX then said, " Ok then, is your date of birth ( my DOB ) '' to which I verified. XXXX then proceeded to XXXX for payment. She continued to inform me of her company and XXXX XXXX credit reporting process. Additionally, the notice I received does not include any information about my right to dispute this debt. I feel this company is acting in an unfair and deceptive way. I have since checked my credit report and as a result, my credit score has dropped 61 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I have made on-time consecutive payments on my student loans via EFT bank transfer ( i.e. the company takes my payment automatically ) for the past 4 years, and now suddenly they are saying my account is past due and trying to say I owe over {$1000.00}. 

My payments were around {$310.00} for the past couple of years and then in XXXX they sent an email for me to update my financial statement, which I did, and then for XXXX/XXXX/XXXX the amount taken out of my account was {$510.00}. I assumed they just increased my interest rate and while it was difficult to make the payments I just wanted to keep paying my loans so I didn't contact them. 

Then as of XX/XX/XXXX I'm getting emails and daily phone calls regarding my loans " delinquent status '' and when I log into my account its saying I've missed payments and owe more than double what my usual monthly payment would be. I have all payment history and statements and there is not a single month I have missed since XX/XX/2014. I don't understand how if the company is taking money out of my account automatically I could have underpaid or had a late payment and am now being forced to pay thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: WELLS FARGO & COMPANY
State: CO
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX . No contact information has been reported by this creditor. 
On XX/XX/XXXX, WELLS FARGO XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-02-25
Company: Four Directions Lending LLC
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Fell behind on payments in XX/XX/XXXX. Sent a " Cease and Desist '' email to West Side Lending on XX/XX/XXXX revoking ACH debit authorizations and stopping all phone calls. ACH debits stopped. I received calls from West Side Lending on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The rep acknowledged that they received the Cease and Desist email but wanted to keep talking to me " since [ she ] had me on the line. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The XXXX XXXX mentioned below has generated my credit report without my consent. 
This agency inquired a hard inquiry from XXXX  using my personal information, SSN, Date of Birth. They did not send any notice, and I don't know who they are representing by using my personal information to get my financial background report. 

PERSOLVE LEGAL GROUP INQUIRY DATE : XX/XX/2021 CONTACT INFO : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, a wired funds, in the amount of {$860.00}, was initiated through Pentagon Federal Credit Union to the XXXX XXXX  XXXX XXXX for college tuition payment of my daughter 's housing while studying abroad. Initially, an incorrect swift code was entered but only the last digit. 

Sent : Swift Bank Code : XXXX Correct Code : XXXX Although one digit was missing, it appears that this did not affect the transaction. 

There have been numerous attempts to ascertain the whereabouts of these funds but a successful resolution has not occurred. The college, XXXX XXXX XXXX ( XXXX ),  states that they are unable to verify the wired transfer. Pentagon Federal Credit Union ( PENFED ) has not provided adequate assistance, and the XXXX XXXX  XXXX XXXX is non-responsive. I have asked PENDFED to retract my wire but believe that has not yet occurred for some reason. 

This appears to be a case of international wired transfer banking fraud as no one is able to determine the whereabouts of the funds. I have exhausted numerous emails between the college and PENFED. Today, I spoke with a supervisory operations personnel from, who was unprofessional and made statements that I should just contact the XXXX bank and that if he initiated a wire retract that I may not get my money back. And, If I spoke to any one above him that I would get the same answer. 

Truly, unprofessional supervisory customer service from a professional banker and I am at a loss for what to do next. 

All of this has cost a significant amount of time and wasted money. as I have had to re-schedule my daughter 's flight to XXXX. Until this is resolved, she us unable to attend school in the U.S. or abroad. XXXX will not let her obtain housing without payment, PENFED is not providing helpful assistance, and the XXXX XXXX XXXX XXXX is not responsive. 

My daughter is an exceptional student that recently made the Dean 's List and entering her third year of college. This has placed undue stress on our family and I am needing your unbiased assistance as I do not know what else to do. I am also in the process of drafting a formal complaint to PENFED Foundation 's Board of Directors. As a Veteran, I do not expect exceptional treatment/service but hearing the words you should just contact the XXXX bank  yourself, after waiting almost two weeks for that same institutions 's help, saddens me. 

Respectfully, 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