BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, wish to bring to your attention a matter of utmost importance. Specifically, I would like to assert that 15 U.S. Code 1681 c-2 clearly states that if a consumer identifies information in their credit file that has resulted from alleged identity theft, a consumer reporting agency is legally obligated to block the reporting of such information within a period of 4 business days.

To provide some context, I dispatched a package to your organization on XX/XX/2023, containing my FTC Complaint numbered XXXX, XXXX affidavit XXXX FTC affidavit XXXX police report, a copy of my driver 's license, social security number, and a copy of my gas bill. The purpose of this package was to request the blocking of information in my credit file that I have identified as being a result of identity theft against me. 
It is crucial to note that I am well aware that, as per 15 U.S. Code 1681 n, the failure to adhere to this law may result in punitive damages. Regrettably, I must emphasize that I have not witnessed any action being taken on my request, nor have I received any information from your end regarding how you have verified the identity theft that led to my credit denial. This is a matter of great concern and immense frustration for me. 

I want to make it unequivocally clear that I find this situation highly unacceptable. To prevent any further legal actions and to seek a swift resolution to this matter, I hereby demand that you immediately remove the fraudulent XXXX  XXXX XXXX account XXXX. XXXX from my credit report. 

This correspondence serves as a formal demand on my behalf, urging XXXX and Experian to initiate a comprehensive investigation into the facts and circumstances surrounding this issue. I expect an appropriate response to my concerns, which should include your immediate compliance with the aforementioned demand. Keep in mind Under consumer law asking XXXX  XXXX XXXX to verify this fraudulent debt is not the credit bureaus doing a true investigation on this matter. 

I trust that you will treat this matter with the seriousness and urgency it warrants, as I am prepared to take further legal action if necessary. I eagerly await your prompt response and resolution of this pressing issue. 

Sincerely, 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 2023-11-28
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to express my concern regarding an erroneous late payment that has been reported on my credit report. I have made multiple attempts to rectify this issue by contacting the merchant as well as XXXX, XXXX, and Equifax directly, yet I have not received any resolution or acknowledgement of my dispute. 

According to my credit report, there is a late payment entry recorded for an account that does not reflect my financial history accurately. I have thoroughly reviewed my records, and there was no occurrence of any late payment associated with this account. This misinformation is adversely affecting my credit rating, and consequently, it is hindering my ability to obtain a mortgage and purchase a home. 

I have diligently contacted the merchant in question, explained the situation, and requested their assistance in resolving this matter. Unfortunately, despite their acknowledgment that there was an error made, they have failed to take appropriate action to correct the reporting with the credit bureaus. 


I appreciate your attention to this matter and your prompt resolution. Please inform me of the actions taken to resolve this dispute at your earliest convenience. I look forward to a positive outcome and renewed confidence in the accuracy of my credit report. 

Thank you for your immediate attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
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: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, MY ACCOUNT XXXX HAS VIOLATED MY RIGHT. 15 U.S.C 1681 SECTION 602A. STATE I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES IA CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07
Company: AmerAssist A/R Solutions, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As of XX/XX/2019 my XXXX credit report shows that there was a collections add to my credit report on XX/XX/2019 by AmerAssist AR Solutions. This inaccurate collections has dropped my XXXX credit score by 78 points. I was not notified of this collections debt until I viewed it on my credit report XX/XX/2019. AmerAssist AR Solutions has inaccurately reported to XXXX credit bureau and presumably other credit bureau 's that I owe {$3600.00} in debt as of XX/XX/2019. 
AmerAssist AR Solutions needs to supply the information below so that I can be fully informed : What is the exact type of debt you believe I owe : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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: Account information incorrect

Complaint:
XXXX XXXX XXXX posted the wrong information, we called and they told us my account was XXXX $ so I asked why they charged me XXXX $ for no reason, they told me they are going to fix it, and in the end, they fix it and I decided to close it. 

Since I got this credit card I barely used it and it gave me a lot of problems, one of the reasons I decided to close it, was because this bank for some reason shows me charges that I never did or recognized and it charged interest of those charges and late fee. Like I said before, I don't use this card at all. When I checked it using the app and I saw those charges I called the bank immediately because I never used my card and they charge me for something that I never used and charge a late fee and other amounts that I never recognized or accepted. According to the last call they fixed it and my account was XXXX $ I decided to close it and they told me my account was XXXX $ and closed it and they told me nothing to worried. 

I called the bank to know why they report a negative and they told me to fix this issue I need to re-open the account again and the bank will fix it, so I said no, I don't want to re-open it. I don't want any relation with this bank. They didn't give more information and I told them that I need an explanation of why was the reason I got a negative on my credit. I insisted to get an answer and they were rude and disconnected the call. My credit was intact and had good points and I am trying to keep it high, but this bank affects my credit report. And according to the last call, I requested to close the account without any debt and they told me it was closed and had no debt. Please help me to resolve this issue, I need to clean my record and keep it clean. Thank you. 

Please find in the attached file where they fixed everything and put the account XXXX $ with no debt, all amount was fixed and the account with no debt. 

XXXX file number : 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 2022-09-08
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Called EdFinancial about student loan refund on XX/XX/2022. 
EdFinancial said they would submit request for refund but would not provide confirmation email or timeline for when refund would be made to my checking account. 
I am not happy with lack of support from EdFinancial and unwillingness to provide confirmation of refund request and timeline to when i would receive refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello. Im contacting you today because i was a victim of the Equifax Data breach. There has been fraudulent items and accounts on my credit report that I have been trying to get removed for 3 years now cause they do not belong on my credit reports .. Equifax has not helped me in anyway. They have admitted that my information was compromised. I have the info to prove it from their website. My info was bought and sold illegally and I want all these illegal & fraudulent accounts deleted from my credit reports immediately. Please help remove these from my credit reports. Below are the following accounts that have shown up that were not mine There was a 2 accounts form XXXX  that were not mine .. the accounts are listed on my credit reports as account XXXX  account # XXXX With a balance of {$5200.00} XXXX  account # XXXX With a balance of {$2100.00} XXXX  keeps hitting my account with severe late payments for an account that is not mine XXXX  account # XXXX with a balance of {$13000.00} XXXX XXXX  account # XXXX with a balance of & XXXX XXXX XXXX  / original creditor XXXX XXXX XXXX account # XXXX With a balance of {$160.00} XXXX XXXX account # XXXX With a balance of {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Unauthorized inquires include : XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXX on XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquire on XX/XX/XXXX Attached is police report and paperwork with all fraudulent inquires sent to all brureas

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
Bank of America XXXX Bank of Ameri Rewards Card. 
My family had paid for services from a moving company on ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) on XX/XX/2022. The company damaged many of our items with over {$2500.00} in total damage. We reserve the right to withhold payment through Bank of America Credit Card. We are reseriving the right to withhold payment due to the servicing company refusal to fix/repair the damage they have caused. Bank of America has forced the charge to go through of {$1100.00}. They also have denied our claim without taking our rights into account. The funds need to be returned to pay for damages caused by the servicing company ( 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 2023-11-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Good morning, I write this complaint with anger that had built up since I started speaking with employees from FedLoan. I filed chapter XXXX bankruptcy XX/XX/2012 and my student loans show as they were included in my bankruptcy but they were n't. My bankruptcy was discharged recently and on my credit report my student loans show included in bankruptcy but also show as a XXXX which I 'm being told is default status. I 'm trying to purchase a home and if it 's in default I 'm not able to. I spoke to XXXX # XXXX on XX/XX/XXXX and uploaded my discharge letter and a personal letter from myself and she advised me I would receive a default clearance letter in my email by Monday XX/XX/XXXX and the bankruptcy status would change in 7-10 business days I never received the letter and I called in XX/XX/XXXX and spoke to XXXX # XXXX and she said I will receive the default clearance letter by XX/XX/XXXX. I called back to confirm that information on XX/XX/XXXX and spoke with XXXX # XXXX and was transferred to supervisor XXXX # XXXX who then told me they ca n't tell me what day I will receive it nor can she tell me how long it would take to receive it. She was not helpful and did not put forth any effort to assist me and I 'm sure she could see all the notes on the account. Yesterday was XX/XX/XXXX and I did n't receive anything in my email, I called in and spoke to XXXX # XXXX who read the notes on the account and immediately gave me attitude saying well the supervisor told you it takes ex amount of days. I explained to him that I do n't care what she noted on the account because she would n't provide me with a date nor a timeframe and he told me everything should be done within 7-10 business days and I said so I should have it by XX/XX/XXXX then and he said the process takes 7-10 business days so it should be by XX/XX/XXXX. I 've been given the runaround ever since I have been calling and no one is on the same page and I should 've received the letter by now and no one can tell me why I have n't received it from the first request. I 'm disappointed in the service that I received from everyone thus far. I need my letter so I can purchase my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an account named ( XXXX XXXX XXXX ) on my credit report that has been cancelled for months now still havent updated on my credit report. Also I have so many inaccurate addresses on my credit report that XXXX wont let me dispute. Also I have a personal statement/ consumer report / fraud alert on my credit report I have been disputing these same items for months no RESPONSE OR ACTION HAS BEEN TAKEN. 
I was a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
ATTENTION to the INDENTURED TRUSTEE : presenting exclusive equity, and its your duty. 

Notice of subrogation, Back in XXXX, I " purchased '' a XXXX XXXXXXXX XXXX, I was approved for the extension of my own credit from my cestui que vie account for the vehicle. A promissory note was presented to me and executed by me the " surety '' who is secondarily liable if the legal entity XXXX XXXX debtor/principal which is primarily liable don't take care of the obligation. 
The PROMISSORY NOTE is a financial asset/collateral which holds actual cash value which currently being securitized among other investors which was not fully disclosed.. I as the surety since the obligation was taken care of and the car " payment '' was satisfied. I am pleading for whats rightfully mine, I am entitled to receive in exclusive equity the collateral that the corporation took to hold as security. I am recouping the funds. It is unjust enrichment and not fair and just under equity. I look forward to the check to be sent to XXXX XXXX XXXX XXXX XXXX, XXXX ny XXXX. Do what's right BY GOD, THE ALMIGHTY, THE CREATOR.

I PUT ON THE RECORD NOTICE OF SUBROGATION.

Company response to consumer: Closed with explanation