BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: TX
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:
Upon reviewing my credit report, I have discovered that numerous transactions have been inaccurately reported. Pursuant to Title 15 U.S.C 1681a ( 2 ) ( A ) ( i ), a report should exclude information solely related to transactions or experiences between the consumer and the reporting entity. Unfortunately, the inclusion of such transactions has resulted in significant financial hardship and has had adverse effects on both my mental and financial well-being.

I would like to draw attention to Title 15 U.S.C 1681n, specifically addressing Civil Liability for willful noncompliance. According to subsection ( a ) ( A ), I am entitled to seek compensation for any actual damages sustained due to the failure to comply, or damages ranging from not less than {$100.00} to not more than {$1000.00}. 

Below is a list of accounts displaying inaccurate transaction reporting : XXXX. XXXX : XXXX past due or late transactions reported XXXX. XXXX : XXXX past due or late transactions reported XXXXXXXX XXXX XXXXXXXX : XXXX past due or late transactions reported XXXX. XXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX : XXXX past due or late transactions reported XXXX. XXXX XXXX XXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX XXXXXXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX : XXXX past due or late transactions reported This inaccurate reporting not only jeopardizes my financial standing but also raises concerns about the compliance of these entities with the aforementioned legal provisions. I am prepared to pursue appropriate legal action to rectify this situation and seek the compensation entitled under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I got my unemployment in XXXX of 2020 and have XXXX dollars in casino  charges and a XXXX  XXXX  XXXX  on line gambling I have XXXX even heard of if you look at my statements that have same day casino charges then XXXX charges in XXXX XXXX from each other I have almost had a nervous break down due to just trying to recive a paper statement then to have them freeze my account 7times have to wait for a card change my adress to my neighbors get disqualified from end dividing understand why give me some provisinalncredit reverse it say you paid me XXXX and lied about giving it back to me I need my money back I have called merchants casino they tell me to call bank for help I can ony do so much

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 2020-12-16
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: GA
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:
After several attempts of calling and disputing I have yet to receive an update with corrected information. This agency is furnishing incorrect information on my credit profile. This has harmed me in obtaining any line of credit. They forced my hand at bankruptcy and even after that they still are reporting incorrect and outdated information.

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 2022-01-14
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have submitted a number of complaints against Wells Fargo Bank. Wells Fargo stole my money, lied to government offices, has made me look like a criminal, refused to take responsibility for anything they did to me. Wells Fargo enhanced my identity theft by sending my personal, financial, banking, and family information to someone in a different state. Wells Fargo denies doing this ... .however the identity thieves were arrested the late part of XX/XX/2021. They were arrested AT the address where Wells Fargo claims they did not send my information.. They were arrested WITH my banking information Wells Fargo sent them. Along with my banking information was the email addresses and phone number that were on my Well Fargo account. Wells Fargo lied to protect their own. Wells Fargo lied to government agencies, law enforcement and me. Wells Fargo has refused to reimburse me for my missing money. Then theyaccused ME of stealing it. They sent my personal information to God knows how many people have it. 
Because of theirs lies, I have pending charges against me for something I didnt do. I have credit cards, loans, bank accounts, phones, who knows what else. 
The arresting officer has told me my identity thieves have ledgers of stuff its going to take months to find out whats been opened. How many other people have they done this too? Well... I have police reports to prove my accusations. This has destroyed my life, marriage, health, and family..they lied to save theirs.

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 2021-09-14
Company: EQUIFAX, INC.
State: TN
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 keep calling about account that reporting inaccurate on my credit report and I dispute several of times and spoken with representatives on yesterday on XXXX the XXXX and I was told account previously investigating and representative told me they haven't received any responses and I stated if your not had any response from this within 30 days the file must be removed from file per Federal Credit Reporting Act 609 but account is showing close. The Bureau isn't obeying the laws their not above the laws. I ask to representative to provide me the method of validation it was refused

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: CA
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Credence company located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, keeps harassing me that I did not pay the XXXX & XXXX internet bill and needed to pay the debt. The internet line was disconnected at the end of XX/XX/2021 by XXXX & XXXX after receiving my request. But the credence is asking to pay the bill for the month of XX/XX/2021, when my internet line had already been cancelled. I have asked the credence to send me details ; however, they are not cooperating ; instead, they keep sending me collection notices without more information. They must need to stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-30
Company: Experian Information Solutions Inc.
State: UT
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:
There are many mistakes appear in my report without my understanding.

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 2023-08-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXXXXXX 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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
That on XX/XX/2023 I sent XXXX XXXX a notice to opt-out of credit reporting.

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 2021-05-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In 2019, I started getting statements from for my AMAZON Chase credit card that showed many monthly charges with what looked to be membership accounts. They were refunding them but they never clarified what they were. I had files on my computer that appeared to be a business of some sort and a website in my name that could have been linked to this. I want to know what those charges were. In addition, I am separated from my husband going through a divorce. I asked for a new credit card number and now I have three ( the most recent being the one I asked not to be associated with ). The one I asked not to have ends in XXXX. The other two are XXXX and XXXX. Please see attached statements and their confusing letter. The customer service is very confusing. I returned a counterfeit print cartridge to XXXX XXXX ( as directed on XXXX 's site ). They put the money as a credit for XXXX  instead of returning the money to my credit card. Chase mailed me a letter stating they refused to put the money on my card but my statement shows they did refund me the {$61.00}. Who made the {$61.00} payment on my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

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 2021-11-11
Company: MicroBilt / PRBC (formerly CL Verify)
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: EQUIFAX, INC.
State: NC
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 received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : 01 XXXX ) account numberXXXX Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: GA
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:
I recently disputed multiple inaccurate and unknown accounts on my credit report which never got deleted after this company 's questionable investigation. I am providing clear evidence these accounts are inaccurate and must be removed according to the FCRA. I am very frustrated these accounts didn't get deleted the first time so I am attaching clear proof of the inconsistent information. I am filing a complaint with you guys to make sure that they follow the law and remove these inaccurate accounts. I will not accept a computer generated response. I demand these accounts be removed or I will file for litigation. This is hurting my name. 

The following accounts are : 1. XXXX Acct # : XXXX This account is not mine and it clearly says purchased by another lender which is illegal. Remove ASAP 2. XXXX XXXX XXXX Acct # : XXXX This account is not mine. It says that it meets FCRA requirements but I am attaching proof that it clearly doesn't. It is not reporting 100 % accurate information. 

3. XXXX XXXX Acct # : XXXX This account is not meeting FCRA requirements and must be removed according to law. 

4. XXXX XXXX Acct # : XXXX Please remove this inaccurate account from my report.

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 2021-04-12
Company: EQUIFAX, INC.
State: NV
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:
While checking my credit report, I notice an account from XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, see attached, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon an annual review of my credit report on XXXX, I noticed an account in collections I did not recognize from AMSHER COLLECTION SERVICES in the amount of {$2200.00}, beginning on XX/XX/XXXX, for  XXXX XXXX XXXX. 

XX/XX/XXXX - Called AMSHER directly and they told me that even though I've never had XXXX XXXX service in my life, this was legitimate and I needed to dispute it through the credit bureau. 

XX/XX/XXXX - Opened dispute online through XXXX XX/XX/XXXX -  Dispute results became available. AMSHER stated that the collections claim was legitimate and it would remain on my report XX/XX/XXXX - Called AMSHER once again to dispute the collections claim. Spoke to a XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX, XXXX based in XXXX, AL. He asked for my SSN and name. He informed me that my name didn't match the account in question, nor did my address. The account in question is under XXXX XXXX at XXXX XXXX XXXX, XXXX, TX. I do not, nor have I ever lived there and that is not my name. 

XX/XX/XXXX - Reviewed my credit report once again and found discrepancies with my past addresses, name spelling and SSN, including the name and address mentioned in the collections claim. I opened cases with XXXX and all incorrect information was removed from my report. 

XX/XX/XXXX - AMSHER responded to the dispute through XXXX and stated that " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Please help, this information is NOT correct and it's affecting my credit score. Please let me know the next steps. Thank you. - XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: ALLY FINANCIAL INC.
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Over the last several weeks I've been trying to get a refund of a {$30.00} fee that the bank has unethically taken from my account. During this time I have spent many hours on the phone with multiple supervisors who have been unable/unwilling to help. Constantly trying to push me off the phone with no resolution, or one who inevitably hung up on me on the morning of XX/XX/2020. 

All I need is a simple issue resolved, but due to the banks online only nature there is no physical location I can walk into. I'm hoping this complaint will get me in contact with someone who can actually help me. All I need is someone with the authority to actually fix this issue. PLEASE!

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