BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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 XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX 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. The following false information on my credit report has to be investigated, amended, or completely updated. Thank you. 
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 2022-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card with Bank of America on XX/XX/22 Application ID # XXXX. Shortly after applying, I received a letter from Bank of America stating that they needed more information to process my application and to call the number listed in the letter. When I called, the representative stated that he just needed to verify that I was the person who applied for the card because I had a fraud alert on my report. I verified that it was me and he processed my application. I asked him if I would know if I was approved or not once he was done and he told me that I would. Once he was done, he stated that I had been approved for a {$5000.00} limit on the Bank of America XXXX XXXX card and that the card would arrive in 7-10 business days. About a week or so later, I received another letter from Bank of America in the mail that was identical to the first letter. So I called the number again but this time the representative was unable to find my application in the system so I was transferred to the credit department where the representative there now told me that my application had been denied after I was previously verbally told by a Bank of America Representative on a recorded line that I was approved and what my limit was. Pursuant to 15 USC 1691, it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction.

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 2023-07-18
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX  XXXX {$340.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 I Sent Transunion a letter disputing the validity of the bankruptcy they are reporting on my credit report, They responded with a letter stating that they " verified '' this item with XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. 


I then went back to Transunion on XX/XX/2021 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified with 30 days.

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 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This letter is regarding the Chapter XXXX Bankruptcy remark filed in XXXX, Ga on my Transunion report. The following date is when this remark was disputed via CFPB : XX/XX/2019- via CFPB, XXXX Ive reached out via certified mail, through your dispute portal via web and through the Consumer Financial Protection Bureau . Ive requested for information to validate your findings with XXXX or the secondary agency you receive your public records from. Youve ignored my requests even with proof attached that their verified consumer report states there is no active nor dismissed case. I have spoken with XXXX via phone as well as paper trail getting the same response from the company. The XXXX Court listed informed me that they do not work with credit reporting agencies like Transunion, therefore, they could not confirm nor deny any information. Transunion continues to report unverified information about a Chapter XXXX Bankruptcy without proof of your findings. A general statement was responded back to me via CFPB XX/XX/2019 and mail, stating the vendor has claimed the information as accurate. Theres no proof Transunion verified this information via paper trail besides sending a vague updated resolution letter that states the information is verified. Ive provided documents by XXXX that contradicts your findings. 
This is my final attempt at reaching out via CFPBs website and paper trail before having no other choice but to take legal actions. Under the FCRA, all information being reported must be verified, not falsely reported. Please AGAIN, submit proof of your findings with XXXX via mail and by uploading through CFPB site for my records. If you cant verify the information as accurate as well as provide documentation, please remove the remark from my credit report. 
Attached is the XXXX report showing no reporting Chapter XXXX Bankruptcy Ive submitted to Transunion. Ive even attached my Equifax report showing how another reporting agency is correctly reporting the information. 

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 2023-04-17
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:
I've dispute with Experian consumer reporting agency multiple times about inaccurate and incomplete information contained in my consumer report. They haven't been conducting a reasonable investigation because the items keep coming back verified but when I check my consumer report to see if the incompleteness and inaccuracies are fixed but they are not. The following information is still incomplete and inaccurate. 

Account number XXXXthe account terms field is incomplete and can't be verified please delete the account. 

Account number XXXXthe account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

XXXX XXXX XXXX XXXX account- the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account status field is reporting inaccurately and can't be verified please delete the account. 

Account number XXXX the account status field is reporting inaccurately and can't be verified please delete the account. 

Account number XXXX the account status field is reporting inaccurately and can't be verified please delete the account. 

Account number XXXX the account status field is reporting inaccurately and can't be verified please delete the account. 

Account number XXXX the monthly payment field is incomplete and can't be verified please delete the account. 

Account number XXXX balance field and monthly payment field is incomplete and can't be verified please delete the 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 2021-12-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These collection accounts were not investigated properly, or at all by XXXX and Equifax. XXXX has deleted. I need for XXXX and Equifax to follow suit. They are also UNABLE to provide me with a method of investigation per FCRA 611. 
XXXX XXXX XXXX ASSOCIATES IN ( Original Creditor : XXXX XXXX ) Also, Equifax is reporting a company without a name on my credit report. There is no information on this company. Who are these people? 
( Original Creditor : ) Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: CITIBANK, N.A.
State: PA
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:
I purchased a hotel and sports ticket package with my citi MasterCard from XXXX in XX/XX/XXXX for a football match taking place in XX/XX/XXXX in XXXX, XXXX. The amount of the purchase was {$490.00}. XXXX XXXX was liquidated in XX/XX/XXXX and I did not receive any tickets or hotel stay. I immediately disputed this charge with Citi and they have denied my dispute twice.

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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals sent. No response has been received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be deleted immediately : XXXX XXXX XXXX # XXXX XX/XX/2018 {$8900.00}

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 non-monetary relief
Consumer complaint received 2023-12-09
Company: E-Backgroundchecks.com, Inc.
State: AZ
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:
In accordance with Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681, Section 602 and 6802, states I have the right to privacy, 15 USC 1681 Section 604, states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b I demanded under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this inquiry. 

This creditor did NOT provide me strict proof or DELETED the item immediately. 

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. 

This creditor didnt provide STRICT proof of authorization after 30 days, therefore they must delete this fraudulent inaccurate account, If you do not delete the account immediately I will I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Bank of America refuses to accept accountability for the failure of their autopay system to pay a bill on my credit card, leading to a late payment reported to the CRAs.  I have never had a late payment in my life and have autopay on all my cards.I'm in the process of purchasing my first home and the falsely reported late payment caused my credit score to drop 106 points.BoA refused to take any action 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 2023-09-14
Company: Experian Information Solutions Inc.
State: MI
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 XXXX  XXXX, Has violated my rights. 
15 U.S.C 1681 section 602 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 non-monetary relief
Consumer complaint received 2021-12-11
Company: Omega RMS, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Omega RMS , LLC refuses to remove an account that has been paid in full off of my credit report since XXXX. I have disputed this account numerous times both with with their company, as well as with the credit bureaus in an attempt to resolve this matter to no avail. Each time, they reply with a generic standard form letter saying they have verified the account to be valid which it is not. The credit bureaus accept this response and have continued to allow the account to be reported, despite the numerous inaccuracies in the account and despite the FCRA they are both bound by. I have spoken to an attorney, who suggested filing this formal complaint as a last attempt to resolve this matter prior to bring a lawsuit against both the credit bureaus and Omega RMS , LLC so this is exactly what I am doing. Most recently, I obtained a credit report from XXXX dated XX/XX/XXXX which contains gross inaccuracies. The original account owed was only {$320.00} for some XXXX  work for my son at XXXX XXXX. This account has been paid in full with XXXX XXXX. Despite this, Omega RMS is currently reporting a MONTHLY payment on this " open '' account to be {$3100.00}, has the incorrect original creditor listed, the incorrect original balance due listed, and that the last payment was made on XX/XX/XXXX, for which no such payment exists. In addition to my prior disputes with the credit bureaus as well as Omega RML LLC, I called the company at XXXX and was told they would put in a " support ticket '' but for me to provide them with documentation showing the account has been paid to their email address of XXXX, which I also have done. The account continues to be reported despite the law and their requirement to follow it. The account has never been properly validated according to the law as I have requested either. I need to have this inaccurate collection account REMOVED completely from my credit reports with ALL bureaus being reported to and to have them be prohibited from reporting to any other credit bureaus any information pertaining to this matter. It is unacceptable to continue to destroy people 's lives by damaging their credit in this manner and I request they be held accountable for their actions. If this is not removed, I will be filing a law suit and enforcing the FCRA for which they will be responsible to pay my attorney 's fees and damages which are significant that I have incurred as a result of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: NM
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
.ALLY BANK APPLICATION HAS NOT BEEN FIXED. I STILL HAVE TO ENTER MY ID and PASSWORD TO LOG INTO ALLY APP, it won't save my credentials and FACE ID and PASSCODE DON'T WORK!!! Fix it!!! I have placed a complaint with attorney general!!! 

Additionally, it took me six days to transfer in between accounts of my own!!! And I have no money available at the savings account to pay my bills!!! UNACCEPTABLE. This bank is treating customers terribly!

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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 AM NOT LIABLE FOR THIS DEBT WITH XXXX XXXX XXXX XXXX I DO NOT HAVE A CONTRACT WITH XXXX XXXX XXXX, AS REQUESTED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
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:
hello my name is XXXX XXXX i have an error on my credit file has and error i calls a dozen times to correct and sent countless letters to have remove that is which is due to fraud and is still giving fraudster access to my credit information here are the addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please im begging you to remove these addresses immediately the only address that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and remove phone number XXXX which is a fraudulent phone number used to obtain credit, this is stoping me from helping my XXXX son from getting surgery please help and remove this is hurting my family

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