BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: IN
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 15 USC 1681E subsection B states that I need the maximum account accuracy. I found in a recent copy of my credit report it shows multiple accounts with incorrect dates. I have sent letters to each of the credit reporting bureaus stating the error. 
The accounts in question are : XXXX ) XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX XXXX ) XXXX XXXX  shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX and Equifax XXXX ) XXXX XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX and Equifax XXXX ) XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX and Equifax XXXX XXXX XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX and Equifax XXXX XXXX XXXX XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Early Warning Services, LLC
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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX I am submitting this complaint without error or influence of any third party agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
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:
This is the second request to have this erroneous item removed from my report. Previously on XX/XX/XXXX, I requested to have collections that's presently listed as XXXX XXXX XXXX completely removed as this doesn't relate me. However on XX/XX/XXXX, I received an update from Experian regarding their results. What they did was adjust account type to remove the word " collection '', adjust the status to remove all previous details, and lastly remove all the blank payment history section.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

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 2023-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Was not notified of investigation status or results

Complaint:
I am writing to inquire about the status of my recent credit card application. I was disappointed to learn that my application was denied, and I would like to understand the reason for the denial. 

I have recently experienced a drop in my credit score with Capitol One, which I understand may have played a role in the decision. I would like to assure you that I am taking steps to address this issue and improve my credit score. 

I am a responsible credit card holder and have a history of making timely payments. I believe that my credit score does not accurately reflect my ability to manage credit responsibly. I would greatly appreciate the opportunity to prove myself and demonstrate that I am a responsible borrower. 

I kindly request that you reconsider my application and give me the chance to prove myself. I would be happy to provide any additional information or documentation that may be needed. 

Thank you for your time and consideration. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: WELLS FARGO & COMPANY
State: PA
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:
Numerous times in the last 5 years the bank has put a hold on my account claiming the checks that were deposited were not paid. It wasn't until the pandemic that I had the time to follow the money. As it turns out that since I have had the ability to follow the money, the bank receives the check is paid for it and at a later date places a hold it, after the bank receives the funds for it. The hold is extensive, usually ten days while they overdraw the account and claim to my creditors that the account has insufficient funds, but never notify anyone that they had placed a hold on the account even after they had collected the funds. 
This seems to happen at least once a month with the latest hold happening XXXX even after the deposit was paid on XX/XX/XXXX. This has caused me thousands in bank fees, late charges and has adversely affected my credit rating making it almost impossible to get any type of credit at a completive rate. 
I am in the process of having my accountant tally what the cost has been to me over the the time I had filed the last complaint XX/XX/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 2019-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
i notified Bank of America that my information was in face compromised. I provided them with the FTC Identity theft affidavit. I went to a local branch where i explained what was going on. The banker insisted that i open a new checking account for my protection. So i opened a new account awaiting for bank of america to take action against the account that fraud was committed on. They did absolutely nothing with information i provided to them. They left the account open to rack additional fees for months.They took a entire check from the IRS i deposited in the amount of {$1300.00} on XX/XX/19 to fund an account that i reported has resulted in account takeover / identity theft i'am requesting my funds as well as the money that was taken from me in the deputes which i have provided all needed documentation the dispute # is 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 monetary relief
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: IA
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 paid off a {$1000.00} limit Credit card and cancelled it because of a {$69.00} annual fee. My credit score then dropped XXXX pts in 1 day. So my question is why would this happen? I know this is not a topic you have listed but I sure would like to know why taking care of my credit results in a XXXX point drop in my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions 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:
XXXX XXXX and previous dates I have submitted that these reports do not belong to me and they still remain on my 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 2023-05-19
Company: Amsher Collection Services, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I currently have an active Charter Communications account and I recently received a letter dated XXXXXXXX  from Amsher Collection Services Inc. stating I had an old balance of {$66.00} owed to Charter Communications. I figured this was a billing error on Charter Communications end, as these charges were not on any statements over the last few years, so I called Amsher Collection Services to dispute the debt. They were not able to give me any information on the debt and what it was from. They told me that I had to reach out to Charter Communications to get information on the debt. I called Charter Communications and they also were not able to give me any information on what the debt was from. I told them it must be a billing error then, because I have had active service with them for years and never once have they informed me of a balance due. I told them I would not be paying it until they could tell me what the balance was from ( as i had returned all equipment ). Even after disputing the balance with Amsher Collection Services, they went ahead and reported the balance to my credit reports and they have refused to remove it. They have only updated it with an incorrect partially paid status. I have called both Charter Communications and Amsher Collection Services multiple times to get this rectified, and they refuse to do anything about it. I informed them that they are leaving me no other option but to file compliants and lawsuits over this, which I dont want to do, but they still refuse to fix the issue. This never should have been reported to the credit bureaus if they didnt verify the debt and send me written notification on what the debt was for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: AL
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 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX A XXXX XXXX XXXX, AL XXXX XX/XX/, XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$48000.00}, XXXX XXXX XXXX Balance : {$2900.00}

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 explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
According to 15 USC 161a2 these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in violation of my rights pursuant to 18 USC 8, I owe no debt these companies are in violation of my consumer rights to privacy pursuant 15 USC 1681 b 2, company 's also has no permission to report anything using my information pursuant to 15 USC 1681 4 I did not give written or verbal permission to have these accounts furnished on my credit report as also I am a victim of identity theft I'm attaching documents for evidence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: TX
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 DBA XXXX  Account # 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 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 2020-01-10
Company: EQUIFAX, 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'm not responsible for this account, i have any contracts or agreements with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: ID
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:
The credit reporting agencies keep adding that my account with XXXX is in XXXX  XXXX bankruptcy and it is not. I have not filed XXXX  XXXX bankruptcy and would not have included any student loans. 

The student loan account was paid in full PRIOR to any bankruptcy filed and noted on my credit report for other creditors listed in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 was the victim of identity theft. i got an alert from experian that someone used my ssn to open up a bank account with a bank. regional finance and national finance companies ran my credit without my authorization. for all i know there could be new accounts with them on my credit reports

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 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was an account opened with XXXX XXXX on XX/XX/2019 and had a high balance of {$2900.00}. I made payments on the account while attempting to dispute. Im hoping to have results now. Also, on XX/XX/2019 there was another account opened with XXXX XXXX XXXX in the amount of {$2600.00}. These accounts are fraudulent and Im told were registered to North Carolina and I reside in Michigan.

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 2019-11-05
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:
Hello I reached out to you all back in XX/XX/XXXXabout some items on my credit that were not mine. This has really been a big inconvenience and has put me in a really bad spot. Some of the items were handled but there are still two more and some inquiries. Please remove these accounts from my credit asap. I got in touch with the local police also the ftc. Items for removal : XXXX XXXX XXXX XXXX and XXXX And the inquiries are XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and 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 2019-04-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I'm disputing these unauthorized accounts, and I have before but for some reason the three ( 3 ) major credit bureaus are still reporting these unauthorized accounts, and if you can not provide me with physical documentation then as stated within the FCRA, I'm demanding that these accounts be blocked immediately from my credit report ... please remove these following accounts ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX ( 3 ) XXXX/ XXXX XXXX ( 4 ) XXXX XXXX {$2300.00} ( 5 ) XXXX XXXX {$1500.00} ( 6 ) XXXX XXXX XXXX {$1500.00} ( 7 ) XXXX  XXXX XXXX XXXX {$790.00} ( 8 ) XXXX XXXX XXXX {$760.00} ( 9 ) XXXX XXXX XXXX {$150.00} ( 10 ) XXXX XXXX  ( 11 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28
Company: DISCOVER BANK
State: NJ
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:
Filed billing dispute with Discover card on or about XX/XX/XXXX, with an amount of {$68.00} under dispute reference number XXXX. Accordingly, Discover emailed me on XX/XX/XXXX advising the dispute has been resolved in my favor. Also, per the website of Discover card, I am cutting and pasting the following : ( Rather than crediting my account for this purchase, Discover card recharged my account for this purchase ). 

Resolution Date XX/XX/XXXX Description XXXX XXXX - NJ XXXX XXXX NJ Amount {$68.00} Dispute # XXXX Current dispute status is Dispute DateXX/XX/XXXX Status Updates XX/XX/XXXX Dispute resolved in your favor This case has been closed in your favor, as we have not received a response to our request from the Merchant. A credit will be applied to your account, and any temporary credit previously applied during our investigation will be reversed. Any interest or fees that may have been added you your account as a result of this issue have also been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: ALLY FINANCIAL INC.
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:
On XX/XX/19, my Ally Bank debit card was fraudulently used. The charge was for {$410.00} and it appears on my bank statement as " XXXX XXXX XXXX XXXX , CA , US ''. I reported it to Ally Bank XX/XX/19 as a fraudulent charge and they opened a dispute. They came back to me that the dispute was denied because my debit card was used on the website of a 3rd party payment processor and therefore I needed to file the complaint with XXXX. I called XXXX and they continue to tell me that they can not locate the charge without the full 10 digit debit card # that was used. Because the card was fraudulently used, and I subsequently cancelled said card, I no longer have the card in my possession. XXXX tells me they can not locate the charge to open a complaint without the full ten digit number.

I have worked with Ally Bank and after exhausting all resources, they said they have no way of finding the full 10 digit # of a debit card that is cancelled. I have spent hours on the phone with XXXX, and they said there is absolutely no way for them to locate the charge in their system without the full 10 digit debit card number. I am highly suspicious that XXXX has no other way of locating it, or that Ally Bank can't work with XXXX to locate the transaction, but neither company is being helpful and I am still owed {$410.00} that was stolen from my bank 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 non-monetary relief