BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: PA
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:
According to XXXX XXXX XXXX XXXX continues to furnish a series of late payments on credit profile. According to accounts XXXX which is displayed eleven times as nine late payments. The accounts are the same and with the reporting being calculated by FICO the inaccuracies of reporting are compromising my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE DISPUTED THESE ACCOUNTS WITH TRANSUNION 3 TIMES TO HEAR NOTHING BUT YET.

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 2023-02-07
Company: Experian Information Solutions Inc.
State: MD
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:
loan is mine the late payments are inaccurate and this is a violation of 15 us code 1681i 5 removal of inaccurate/invalidated credit information please remove immediately as its reporting on all 3 angencies inaccorate

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 2022-10-27
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-09-09
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We currently have 2 accounts at Regions we have tried make several deposit which have been declined. We have tried to contact Regions and keep getting transfer from depart to department and no answer is giving why the deposit have been rejected. Payments for the line of credit are automatically being deducted from the accounts and generated overdraft fee and monthly fees. We want to know why the are rejecting the deposit being made through the online banking when there were accepted for almost a year and have fees reversed.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2020-01-16
Company: AMERICAN EXPRESS COMPANY
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:
Per FTC sec 609 credit agencies are not validating my credit they are simply verifying my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Capital Accounts, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received communication by phone and mail in XX/XX/XXXX about a report unpaid medical charge from XXXX. When I spoke with the collection agent I disputed the charge as I knew that my insurance paid this clinic. The collection agency said they would get itemized info from the clinic. Then in XXXX they reported to XXXX  that I was delinquent. I contacted the collection agency and paid the disputed amount and told them I would proceed to take action against the clinic and they agreed to have the info expunged from my credit report as they never followed through with getting any data from the clinic and I had proof my insurance paid any known charges. I then filed a dispute with XXXX  and submitted the letter from the collection agency and the insurance report. The collection agency has twice still verified the debt and not removed this from my record. I have spoken to a supervisor at the agency who verified that they would report to XXXX  the deletion if the request came and today they still reported no change to XXXX  and my credit score remains significantly reduced due to this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I received a notice in the mail that my Bank of America credit card had been put on hold due to suspected fraudulent activity. That weekend I also received an email notice that I had a new account on my credit report. On Tuesday XX/XX/XXXX I called Bank of America wanting to verify if the letter was legitimate communication from them. They informed me that a Bank Of America XXXX XXXX credit card had been opened. The name used to open and for which the account was granted was my former last name XXXX. The card was cancelled and a fraud notice applied. I have notified all XXXX credit agencies. But what I don't understand is if B of A was aware of my name change due to divorce 3 years ago, why would they approve a credit card with my old last name?

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 2022-12-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXXXXX XXXX  XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
CFPB, Wells Fargo Bank is continuing to report this ( 2017 ) Charge Off INACCURATE account on my credit profile. Wells Fargo is well aware that I'm disputing these inaccuracies with XXXX, XXXX  and XXXX, however they continue to report erroneous information. 
I gave Wells Fargo a written request for Validation Of Debt numerous times and they failed to do so. Wells Fargo informed the XXXX  XXXX  XXXX that they were working with me and provided a Validation Of Debt, but instead they mailed me a copy of Wells Fargo Terms and Conditions in multiple languages, which that was NOT a proper validation. After disputing with XXXX, XXXX  and XXXX  Wells Fargo started BULLYING ME by reporting MONTHLY : MISSED PAYMENTS, LATE PAYMENTS, CREDIT LIMIT DECREASES, CREDIT INCREASES, CHANGING REMARKS, DIFFERENT PAYMENT HISTORY, DIFFERENT ACCOUNT NUMBERS.

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 2020-07-16
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:
My name is XXXX XXXX, and I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: SYNCHRONY FINANCIAL
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:
I opened an Amazon Synchony Credit card to paid for a purchase of two electric bikes on Amazon on XX/XX/XXXX for {$1300.00}. The bikes delivered about two weeks later and it was not in proper working condition. As advised by Amazon to work with the seller and I did for six months with no progress from the seller. The seller missed multiple dates that he promised to send the battery and other parts. I did everything that was asked by Amazon and seems like they are just telling me what I want to hear and buying time. The last conversation I had with Amazon in early XXXX was the purchase was too far out and they can not do anything about it. I went to Synchony Bank which is the credit card the transaction was made but they didn't help much. I have provided Synchony documents of conversations I had with the seller that he is not fulfilling his promised that Synchony should reverse the transaction. Synchony did not reverse the transaction and I'm stuck with broken bikes and {$1300.00} in debt. I'm sorry but the seller is a con-man and I'm stuck with the bill. Multiple times that this seller mentioned that he does not want his bikes back and not sending me a paid postage label. I really need help on this because I felt like Amazon, this seller and Synchony Bank are not reasoned with me and protecting the bad faith seller and I'm stuck with the bill. Any help with this would be greatly appreciate it as I don't know any other way. I do not want this to ruin my credit that I worked really hard for for many years. 

Thank you

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 2020-05-29
Company: Rocket Mortgage, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I want to report the quicken loans / rocket mortgage company. I did a pretty approval XX/XX/XXXX and they did a credit check with my approval over the phone. Its almost 3 weeks I keep on calling and sending email for loan update. The mortgage Officer XXXX said its already in underwriting when I called 2 weeks ago. After a week I called and asked if they need any documents and she said all the paperwork I submitted is good. Since last week calling them no response. Yesterday XX/XX/XXXX I emailed their manager and file a complaint coz its been almost 3 weeks no update. The loan Officer XXXX called me and said I need to submit w2s and some paperworks again and when I submitted the docs requested I received a credit check alert. Its form the home mortgage company quickenloans. I called the loan Officer and asked why did you do a credit check again and now without my approval? XXXX the loan officer apologize and didnt explain. Today I received a call from the director of quicken loans and he apologized about their loan Officer XXXX and asked me they cant approve my loan because I dispute their credit check. I explained to the director that your agent didnt ask permission and she already checked my credit score 3 weeks ago and she already computed my monthly payment and said Im approved and it will be sent to underwriting. Director said my credit score fornVA loan is not good my score is XXXX. I told him I dont need an approval now I just dont want them to do a credit check and what they did yesterday checking my credit score without my knowledge and permission is bad! Thats my concern thats what I told him. He apologized. I told him I will report and dispute it to credit bureaus. 

This company should be asking permission coz I didnt authorize and allow to check my credit score because they already did 2 -3 weeks ago. They just apologize for their employees mistakes and didnt take any actions thats why I said I will find I different lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an 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 2020-05-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with [ name of business where account was opened ]. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity theft. 

[ Provide details about what happened. Include the dates and amounts of fraudulent transactions. ] I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform me that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 



Identity Theft Report Included

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hunter Warfield XXXX amount {$13.00} Is reporting negative on my credit profile. 
Requested documents never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: SinglePoint GI
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted and spoke with several people on XXXX campus in XXXX, TX. Once I decided I was not gon na attend school at their campus, I called the school within the qualifying days to cancel my classes. I spoke with a Dean and also someone in the Financial Aid Department who told me that they would make sure that I didnt accrue any charges to my account and if i did, they would take care of the charges. The school has since changed Deans so many times ... I have tried to resolve this debt with the school several times and they have recently sold the Debt to a collection agency and dropped my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2021-05-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting Experian do there job and investigate in accordance with the fair credit reporting act. In doing so they will find said company XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX My investigation has revealed at no point has the above referenced company ordered a copy of my credit report. I had to have Experian investigate the other Inquiry 25 time before they did their job. Very simple all the have to do is pick up the phone call the number listed and they will find at no point did the above referenced company order 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 explanation
Consumer complaint received 2020-09-22
Company: Risecredit, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I froze my son 's credit file with Experian and received today a notice about a dispute resolution for his account, but I am unable to get somebody at Experian to explain to me what the actual dispute was. I suspect identify fraud, but Experian only offer s the option to submit the same paperwork again which does not address the issue.

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