BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: AL
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/XXXX XXXX removed an account XXXX XXXX XXXX XXXX  when XXXX discovered during their investigation that XXXX XXXX had reported inaccurate information. This information has caused me to be denied for new credit. I was notified by XXXX and XXXX that the account had been removed due to inaccurate reporting by all agencies. On XX/XX/XXXX, I was noticed once again only by XXXX that my account had been updated to a charge off account. This caused my score to drop XXXXXXXX The information is inaccurate and was deleted three days prior. I am in the process of buying a new vehicle and this has hurt my chances of getting a good rate. Please delete the XXXX XXXX Account from all agencies. I have sent letters with proof of these inaccuracies to all three credit bureaus. XXXX and XXXX deleted at first. XXXX is not re reporting inaccurate details. Experian is reporting incorrect 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 2023-06-19
Company: TD BANK US HOLDING COMPANY
State: CT
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:
Blessings, I contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to Please help me remove it since my credit dropped because of all these inquiries that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29
Company: Experian Information Solutions Inc.
State: DE
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 account with XXXX XXXX Bank was closed and the balance was sold to XXXX XXXX in XXXX of XXXX. 
XXXX XXXX Bank stopped reporting late payments in XXXX of XXXX. 
XXXX XXXX began reporting as a collection account in XXXX of XXXX. 
XXXX XXXX began using XXXX XXXX XXXX XXXX for their collections at an unknown time. 
I began making bi-weekly payments of {$60.00} to XXXX XXXX XXXX XXXX on XX/XX/XXXX to pay the balance. 
o Paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX has updated my credit report monthly to reflect the balance decreasing. 
XXXX XXXX Bank added a FAILURE TO PAY to my credit report for XXXX of XXXX. 

XXXX XXXX Bank NO LONGER OWNS THE DEBT and should not be reporting a new late payment more than 3 years AFTER the debt was sold. I am making payments to the company that owns the debt. 

To date, they still will not correct my report to remove the late payment in XX/XX/XXXX for a debt they do not even own.

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 2021-05-23
Company: Concord Servicing Corporation
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: Account information incorrect

Complaint:
I had a Home Improvement loan with Concord and a balance of {$16000.00} which I paid off on XX/XX/XXXX and they wont update the credit report with a XXXX balance so my rating is going down because it looks like I have XXXX more debt then I should have total. I submitted a dispute and they said the info is correct which it was for XXXX but they have not updated the info to the credit bureaus for 3 months.

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 2019-10-31
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: Old information reappears or never goes away

Complaint:
Last month in XX/XX/XXXXI noticed that an account that was deleted in XX/XX/XXXXwas reinserted back onto my Experian report without any notification. By Federal law FCRA section 611 ( a ) ( 5 ) ( b ) Experian was supposed to notify me in writing not later than 5 days of reinsertion. They did not notify me at all. I sent Experian a letter stating that they are supposed to notify me and that they are in violation of Federal law. More than a month has gone by and they have yet to acknowledge this. I will provide past credit reports to show when it was reinserted. 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 explanation
Consumer complaint received 2018-08-29
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I started using XXXX to get a sugar daddy to help pay for financial problems i have already been having. I got in touch with one guy. I cant find his usertag anymore. But I do have the phone number hes been using to communicate with me. He transferred {$8000.00} into my account on XX/XX/2018. Asked me to send {$3500.00} to one of his other sugar babies, then {$3000.00} toanother. I thought nothing of it. The remaining {$1500.00} was to be for me. However the check bounced after it went through and now Im unable to access my account. Including my own paychecks. My bank is Navy Federal. Im unsure what to do ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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: Information belongs to someone else

Complaint:
I appreciate your time to have some of the fraudulent accounts and information removed from my Credit File but upon further inspection of my Credit File. I noticed that there are a lot of fraudulent items that still remain. In accordance with the Fair Credit Reporting Act section 605b, you are required to remove the fraudulent accounts and information you report on my Credit File. Please comply with the Fair Credit Reporting Act section 605b, and haver the remaining items removed from my Credit File File as soon as possible ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. I am submitting this CFPB Complaint to request that you remove the fraudulent accounts and information off of my Credit File as soon as possible. As much as I appreciate the deletion and action you have taken, the remaining items should have also been removed from my Credit File.

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 2023-01-30
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:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. XXXXXXXX XXXX XXXX violating my right to privacy by listing the account # XXXX without consent and permission. I demand that XXXXXXXX XXXX XXXX  Cease and Desist reporting of the debt collection activity to all consumer reporting agencies before and after this date of XX/XX/2023. I've disputed this account multiple times. This is the last dispute before seeking litigation. I've attached my ID and SS Card, Identity Theft Report, and Cease and Desist Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: MD
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 acct # 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 604 A Section 2 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 explanation
Consumer complaint received 2023-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi, I have opened a joint savings account with my mother at Bank of America. According to the Bank 's policy, because we are non US citizens we can not manage our account by ourselves but only through them.So after depositing around XXXX XXXX dollars I asked the Bank to transfer all the money to an account in a XXXX Bank. BofA responded that According to the XXXX XXXXXXXX XXXX we need to have insurance ( which BofA offers to do for 15 % of the total amount... ) for the funds in order to receive the funds. After doing some cross checking with our Bank and XXXXXXXX XXXX XXXX  we were advised NOT to do anything because there's NOT such a prerequisite! After contacting BofA twice to provide some sort of proof of this claim, they have not responded with any kind of proof or law or anything. Kind regards, 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 2017-09-21
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, XXXX XXXX XXXX reported my account delinquent to the credit reporting agencies. I settled my account with XXXX that year and paid my account per the settlement. According to FCRA, XXXX and XXXX should have removed the settlement from my report as of XX/XX/XXXX since I have already met the 7 year reporting period. I 've tried on several occasions to correct this with XXXX and I am continually told that they are reporting correctly. When I called XXXX on XX/XX/XXXX a XXXX rep told me that the item would stay on my report for 10 years. According to FCRA, the item should be removed from my credit report now. It has been removed from XXXX and XXXX but XXXX is not removing it. Every time XXXX contacts XXXX, XXXX tells XXXX that they should continue to report because the report is accurate. After reading the FCRA rules, I know the account should be deleted from report. I need help since I 've been trying to get this resolved for months with the same responses from XXXX and XXXX. This is also happening with XXXX 'XXXX XXXX ( credit card now through Synchrony Bank was through XXXX XXXX ). XXXXXXXX XXXX XXXX was also settled and first reported delinquent XX/XX/XXXX. I have tried on numerous occasions to resolve this with XXXX XXXXs XXXX and XXXX with no positive resolution. 

Both companies reported XXXX dates of delinquency and started changing the months with each investigation request. I am only attaching copies of my XXXX credit report that show both accounts settled and first date of delinquency as well as a report where a change in the history is made.

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 2023-01-30
Company: Experian Information Solutions 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:
This is my FURTHER Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Opened an account with Bank of America on XX/XX/23 via online application. I was notified by email that the account was approved. I logged into the account and recorded the account and routing number. I then went to a BAC branch located at XXXX XXXX XXXX XXXX, XXXX, AZ and deposited a check dated XX/XX/23 from XXXX XXXX in XXXX AZ for {$20000.00}, both my wife and myself signed the check in front of the teller and the deposit was accepted with a hold on the funds until XX/XX/23 at XXXX am. 

On XX/XX/23 I attempted to log on to my account to verify that the funds had been deposited. I was unable to log on and after a phone call, was told the account was closed. I never received a phone call, or email to inform me that the account was closed, I only found out by accident. By visits to the bank and phone calls I was eventually able to determine that fraud was suspected. The bank then informed me that the only way to get my funds were have them mailed on or after XX/XX/23, even though the funds were to be released on XX/XX/23.

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 2018-08-29
Company: Experian Information Solutions Inc.
State: WA
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 opened a credit card with XXXX in XXXX this was the only card I opened. In XXXX I had some housing issues and I was XXXX  for a year and a half. During this time I bounced around from friend 's house to friend 's house or living out of my car. During this time my I still only had the one credit card. In XX/XX/XXXX I found out I had several credit cards and other accounts opened in my name and a few were opened out of state, when I applied for a lease, which I was denied for because of the debt. 

I have since disputed with XXXX and have had most of these accounts removed. I have tried to get XXXX and Experian to do the same, but no luck. Every time I try to dispute on XXXX I can't get past the verification questions, only once was I able to and Equifax did nothing. 

So far XXXX has done a great job, but I can't get help with the other agencies. 

There are also incorrect addresses and employment as well.

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: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reached out to get an itemized statement for amount being reported on my credit. Received letter from credit company Aargon and statement was not an itemized bill including services and exams that we supposedly billed for. Letter looked to be forwarded from hospital but only had one line in bill area stating XXXX XXXX  visit and total amount owed. Nothing was broken down as to what was performed on so called visit to 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 2018-08-29
Company: EQUIFAX, INC.
State: WA
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 opened a credit card with XXXX in XXXX this was the only card I opened. In XXXX I had some housing issues and I was XXXX for a year and a half. During this time I bounced around from friend 's house to friend 's house or living out of my car. During this time my I still only had the one credit card. In XX/XX/XXXX I found out I had several credit cards and other accounts opened in my name and a few were opened out of state, when I applied for a lease, which I was denied for because of the debt. 

I have since disputed with XXXX and have had most of these accounts removed. I have tried to get Equifax and XXXX to do the same, but no luck. Every time I try to dispute on Equifax I can't get past the verification questions, only once was I able to and Equifax did nothing. 

So far XXXX has done a great job, but I can't get help with the other agencies. 

There are also incorrect addresses and employment as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: SYNCHRONY FINANCIAL
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:
This account payment history is incorrect. 
I do not recognize how this account is reporting on my credit report. I do not recognize the late payments associated with this account. Everything reported here does not meet the FCRA. Furthermore the collection is a violation of the 15 USC Code 1681i b. The account is negatively affecting my credit report and I request this late payments be removed.

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 2023-06-14
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: Information belongs to someone else

Complaint:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2020-07-21
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled my credit reports today, XX/XX/XXXX to find I have a collection listed on my reports by Midland Funding LLC for account # XXXX. Upon further research I found this was a debt purchased from XXXX XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. Rather than allowing it to revolve on my credit until XX/XX/XXXX, I am willing to offer a settlement of {$100.00} being that they paid XXXX  on the dollar for the debt anyway, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted numerous times to dispute this to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. It will be acknowledged the debt to be removed and considered paid in full.

Company response to consumer: Closed with explanation