BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: NV
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:
Account Name : XXXX XXXX XXXX  Account # XXXX I requested an overall re-investigation on XXXX XXXX through certified mail to all 3 bureaus for my credit report after applying for a mortgage loan in XX/XX/XXXX and being denied. I requested that all dates, account info, balances, payment history along with the original copy of proof verifying if any of the accounts were mine. Ive had to dispute many things because of my name in general gets mistaken for other XXXX XXXX. Im a XXXX generation XXXX. 

*Section 607 ( b ) of FCRA I also have asked that all personal info be corrected on my credit report/history and still there has been no changes. 

* On the CFPB bulletin for XX/XX/XXXX, that theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were five things listed as requirements that has not been upheld regarding my credit safety as a consumer. 
In comparison of my credit report from XXXX XXXX and XXXX XXXX, youll see that the same errors remain. All 3 bureaus report different things. And let alone, I never got any verification or feedback from anyone regarding whats accurate or not. Since the last dispute, it has been more than 30 days, and me, my wife and kids no longer have housing since I had issues getting approved because of all the chaos on my credit report.

I highly believe its willful violation against me at this point, because ive disputed regular mail and certified mail several times now. I will put the tracking numbers below of the most recent one. 

There are over 8 violations Ive found on the XX/XX/XXXX credit report. A many being the different balances reported, month/term, high credit, payment status, last reported dates and payment history are all contradicting each other or just plainly showing differently for all 3 bureaus. Just an example, How can it say Last reported for XX/XX/XXXX, but for Date Last Active is shows XX/XX/XXXX?? 

Im now requesting monetary relief for the damages it has caused me and my family and per violation. Im also requesting deletion.

*15 USC code 1681n ( a ) ( 1 ) ( A ) *Consumer reporting agencies must Correct and Delete any inaccurate, incomplete or unverifiable information within 30 days. And according to the FCRA everything must be 100 % accurate. 
Tracking Number : XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) : XXXX XXXX XXXX XXXX XXXX XXXX ( Experian )

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 2019-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One has had to remove over {$7000.00} of fraudulent charges and interest from my card after a complaint was submitted to CFPB. The account still shows as a " Charge Off '' ; the account still shows a balance due ; the account still shows having mulitple delinquent payments. 

This is in complete error : Since Capital One was forced to remove nearly 90 % of the charges and interest on the account there would be no way for the cardholder, myself, to know what was actually due and when. Capital One also has no way to back up any claims of late payments since the vast majority of the alleged debt has been removed as fraud. Capital One still can not provide me with the totals due monthly for the periods they are stating were delinquent. They also can not verify that there is still {$510.00} in charges left on the account. Any attempt to work with Capital One is simply responded to with " it's pending '' or that they are correct in their claim without any evidence to back up their statements or any attempt to allow me to communicate with a senior account manager to keep this from a damage to credit issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
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: Account status incorrect

Complaint:
I called XXXX XXXX to set up a payment arrangement and as I did so the agent I talked to said doing this would make my account current and it would not be reported delinquent by them on my credit report. Plus I recorded the conversation and they did too. so on XX/XX/2019, I received an alert from XXXX  and Equifax that an item on my report status has changed. XXXX XXXX had reported my card as delinquent dropping my score. I called them about the issue of their response that their agent had given me the wrong information and they were not going to address the issue. I told the agent that I would be escalating the issue to the CFPB because this is not right. She then transferred me to a senior account supervisor who asked me what happen, I explained the situation to her then she can't talk to me while I am recording and yet they are recording me. I asked what about my situation and she rudely hung on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
State: NY
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 writing to dispute multiple fraudulent accounts on my report. I am a victim of identity theft, and I did not make or authorize these charges. I am requesting that these accounts be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: National Credit Adjusters, LLC
State: AZ
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:
Nca opened TWO collections account on my credit reports in the MIDDLE OF A PANDEMIC!!!. The only reason I know this is because I have credit monitoring account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then Nca has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with Nca. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent LVNV FUNDING LLC,2 letters disputing the alleged debts of ( {$450000.00} ) on XXXX XXXX that i do not owe. i have requested the validity of the debts along with other information that i have not received, also attached copies of the letters below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
My credit card was compromised due an identity theft and i request for account to be removed. 
Account closed XX/XX/201XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: WELLS FARGO & COMPANY
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
Wellsfargo Bank claimed to have mailed me a cashier 's check for {$230.00} on XX/XX/2017, in which I never received. I filed an affidavit regarding check # XXXX and Wells Fargo Unclaimed Property department replied that they received my inquiry but never got back to me any further about replacing the check.

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 2019-10-27
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have excellent credit XXXX XXXX and XXXX XXXX as reported to me by XXXX XXXX XXXX today XX/XX/19, without charge. 

I applied to XXXX XXXX for a credit card, as of XX/XX/19, and received in the mail from XXXX XXXX XXXX XXXX  explaining what a credit report was, that Experian had reported a FICO score of XXXX, and that " under federal law I could obtain obtain a copy of my report from Experian for 60 days without charge. I tried to obtain a copy of my credit report from Experian online today, XX/XX/19. At XXXX I received an email from Experian to veriy my info, and received a free " 'credit report which did not include a FICO credit score. and no way Ito request a free copy., Instead, it offered numerous services, including a monthly update service for a {$21.00} fee, and a 7 day trial for the FICO score and demanded a credit card for {$1.00} non refundable, and no way to dispute my right " under federal law ''. Experian rated itself XXXX " very good '' ; falsely rated XXXX XXXX XXXX " good '' ; and XXXX  XXXX " very good '', in contrast with their ratings in the first sentence above. My only recourse is this CFPB Complaint. 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 2022-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There was unauthorized transactions made to my account in which I did not authorize the amount was {$2100.00} and a few other charges that was authorize that were unknown to me. I contacted bank of america and they refused to reverse the charges. The unauthorized charge for XXXX was done through Ach. in which was done by my previous landlord. He was not authorized to make this transfer but bank of america granted the authorization anyway. The transaction was in XX/XX/2022 and XX/XX/2022. On XX/XX/2022 is when I intiated a claim and on XX/XX/2022 I filed another claim. The claim number is XXXX. My checking account number is XXXX. These unauthorized transaction also made my checking account overdrawn.

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 2021-08-20
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Southwest Credit Systems at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$190.00} the collection has been reported as unpaid balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature nor did they receive my consent for services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: WY
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:
Applied for a Business loan at XXXX XXXX, XXXX XXXX claims that Equifax provided information that was derogatory by reporting Serious Delinquency, Account history and too few accounts with on-time payments. 

I have excellent credit scores of XXXX - XXXX with exceptional payment history. My report shows good credit. 

I can not get a live person at Equifax to provide an explanation and XXXX XXXX will not provide a copy of the report they claim to have obtained. 

It is all highly questionable and need to resolve all fraudulent or inaccurate reporting. XXXX XXXX should also provide supporting documents for their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020 the vehicle I had co signed to financed was involved in a car wreck. The person at fault had XXXX  XXXX  for insurance. I contacted them within days of the wreck. They deemed the car a total loss. XXXX XXXX  emailed that they would send me a check so that I could pay off the car to the lender ( XXXX XXXX ). Some weeks went by and when I contacted XXXX  XXXX  they said that they paid XXXX to XXXX XXXX  in XX/XX/2020 instead of sending me the check. That left a {$400.00} balance to pay off the car. So in XX/XX/2020 I contacted XXXX  ( XXXX XXXXXXXX ) to move forward with getting the rest of the car paid off. During this entire process I was contact with my lender XXXX XXXX. They confirmed that they had received the XXXX check in XX/XX/2020 and I let them know that XXXX  said they would pay the remaining balance of the {$400.00}. It may have been a little more. However XXXX XXXX  put a charge off on my account at the end of XX/XX/2020. They were given XXXX in XXXX. When I spoke to a manager at XXXX XXXX  in XXXX concerning the charge off they said I should of paid out of pocket. The check from the Insurance was mailed to them instead of me. I had no controller over that. I should have not gotten a charge off at the end of XXXX. I worked really hard to to stay in contact with XXXX XXXX  and XXXX XXXX  to make sure that they received their money to get the car paid off. This charge off should be removed. I did not neglect to pay. Again {$8000.00} was paid in XX/XX/2020 and only a small amount was left to pay on my XXXX XXXX XXXX. Please remove this charge off. I did sent letters to the credit bereus but nothing was done

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 2018-03-08
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX originally disputed my GAP insurance claim for the remaining balance of a total loss settlement. The outstanding balance was a few hundred dollars. I was notified by a credit alert that the account went past due even after the settlement check was sent to them. I sent a cease and desist letter to XXXX and they then corrected their error. However it shows on my credit report that the account is delinquent. They need to correct that immediately. I had also filed a complaint with Missouri Department of Insurance in regards to them not originally accepting my GAP insurance claim and refund of the several prepaid years of the insurance policy.

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 2021-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I requested a PPP loan. In so doing, I represented that I had payroll and 1099 documents supporting a loan request because at the time I specified my loan request, I understood that 1099 payments were also the basis for a forgivable PPP loan. I was given money that was based on the documents I was asked for and provided correctly. In asking for documents and approving a loan based on documents that did qualify and then disallowing the rules and regulations to protect my loan and rights, Bank of America operated in a fraudulent and negligent manner. 

BofA did not act in good faith. It did not perform a good faith review of the calculations or of the uploaded payroll documents. If it had, it would not have issued an unforgivable loan based on uploaded 1099s rather than uploaded payroll payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: MS
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 have requested valiadation of debt from XXXX on the two accounts that shows on my credit report on XX/XX/23. I have not been supplied validation of debt and the accounts are still reflected on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: NY
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXX Date opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions 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:
There are mysterious creditors on my credit report that is reporting negatively. They are not mine. Please remove them.

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 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 90 plus ) days late on the XXXX - partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) This student loan was consolidated and paid and therefore there is no outstanding balance due to report as late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2019-10-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I been disputing this hard inquiries since XXXX of this year through EXPERIAN. They have failed to provide any conection with this connection. I haven't sign any documentations with this alleged companies. On the other hand this inquiries have a negative impact on 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 non-monetary relief
Consumer complaint received 2021-05-25
Company: Experian Information Solutions 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:
This is a follow up letter, as my first complaint was closed with no results. 
This erroneous account was to be removed in XXXX XXXX per XXXXXX/XX/XXXX 
As of XXXX XXXX it is still on all 3 credit bureaus.

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