BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
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 trying to purchase my first home and I decided to go through a first-time homeowners pro-gram because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX {$0.00} XXXX {$580.00}

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 2023-01-11
Company: Experian Information Solutions Inc.
State: LA
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:
Experian completed an investigation of credit report, no resolution. Stated a company XXXX XXXX provided information. 

Company XXXX XXXX have no such information per a letter mailed to Me. Also inaccurate information still reported on file. Per Experian complete investigation on XX/XX/23 but informed your company its still pending. Spoke to XXXX at XXXX XXXX, no public information regarding bankruptcies only insurance information and also address and phone records. Reference XXXX XXXX  XXXX. 
FCRA 15USC 1681 a this is clearly a violation of this company. 

After your company notified them they adjusted my name as on your report to match information. I do not have a middle name NA. The letter from XXXX XXXX  contains a PIN number and hyperlink which displays all information held in XXXX XXXX  files. I have forward this info to Experian as well. Still no resolve

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 2020-07-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I paid full balance on XX/XX/XXXX from checking account to CITI Diamond secured MasterCard. Opened to build credit. I have no credit cards. 

After paying, I Received all verifications validations money received. Verified money out of checking Acct. tried to use card multiple times. Reply Declined.

Finally contacted institution via phone for 52 minutes on hold and transfers. They have account on hold even though they have taken my funds and they used language payment float to justify reasoning. Said we can call my bank to verify the money they have received that is no longer in my account. Ask where my call was routed to : Answer XXXX. 

Ask for American representation : same go around fraudulent attempt to know my banking account information to reverify the funds they have already received. I cant access my fund during a pandemic unemployed period due to fraudulent practices by CITI Diamond secured MasterCard account. 

Do they use my funds during these 12 days I have no access? Is there any case where it takes 12 days to verify a payment already received and posted?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To Whoever May Be In Charge : I am agitated and dismayed that you continue to list ( XXXX ) dismissed bankruptcies as confirmed. I have been in correspondence with all XXXX ( for oveXXXX XXXX XXXX... I even was lucky enough to have my file assigned to " XXXX XXXX '' with XXXX as soon as I MENTIONED CFPB ) bureaus as well as the XXXXXXXX XXXX XXXXXXXX ( who also told me that they could not verify this information nor would they verify, validate, update, or otherwise with any credit bureau ) that is listed on my disputed credit reports. I am well aware that you receive your information from a XXXX-party, whether it be XXXX ( XXXX ) or XXXX XXXX XXXX XXXX  or from XXXX. The system is not always accurate because of the limitations of providing an ENTIRE XXXX DIGIT Social Security XXXX to validate/verify data. 
Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for XXXX XXXX, the Fair Credit Reporting Act does not mention anywhere in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly reads from " date of adjudication '' or date of " order for relief ''. 
''Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have XXXX right to maintain information which the XXXX XXXX XXXX has VALIDATED as non-existent. 
It is only fair that in accordance with section 1681 ( a ) ( S ) of the FCRA you delete this from my credit report and send me an updated copy. Considering it should not require an investigation whatsoever, I would appreciate your rapid response within XXXX XXXX from the date you receive this letter.

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 2017-09-19
Company: EQUIFAX, INC.
State: LA
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 have SEVERAL unauthorized inquiries on my credit report from Equifax. I have contacted them many, many times seeking a resolution.I have also reached out to all of the creditors. They have no evidence that I have applied for credit with them. I have placed fraud alerts on my report and still receive UNAUTHORIZED inquiries. XXXX of those inquiries are from XXXX on XX/XX/XXXX and XX/XX/XXXX. I did n't authorize those inquiries and XXXX has sent me paperwork stating that they were unauthorized and should be removed. They also sent it to Equifax and They still wont delete them. This was months ago.I have XXXX unauthorized inquiries from XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ). I also have  UNAUTHORIZED/FRAUDULENT inquires from XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX/XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX/XXXX ( XX/XX/XXXX ). I have XXXX children and these inquiries are definitely stopping me from getting a mortgage/home for my family. None of these inquiries were made by me. I have no knowledge of them. I have fraud alerts with all three bureaus and it is wrong to still have these fraudulent inquiries on MY files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: Experian Information Solutions Inc.
State: CO
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, Experian, and XXXX  are showing the only ADVERSE ACCOUNT on my credit report to be a XXXX XXXX credit card which I do not have and have never had, a XXXX XXXX credit card. 
On a phone call with Experian they confirmed that the XXXX for the XXXX XXXX account did not match my own but they have not removed the false information from my credit report. I have made the same complaint to XXXX. They know the charge is not mine but have yet to remove it. 
It has been almost a year since I have contacted them and they still have yet to remove the data from my report. 
These agencies have caused me serious distress and have lawlessly disobeyed the requirement to remove false data within 30 days of confirming the inaccurate 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 2023-01-03
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: Account information incorrect

Complaint:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact.

As defined by the IRS Even if you didnt receive a form 1099-c you must report canceled debt as gross income on your tax return.

The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition the IRS Clearly says a Cancelled debt or charge off is income. The reporting of this account as a debt is inaccurate 15 U.S. Code 1681s2 Says you XXXX XXXX are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately. 
15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) 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 explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2018-12-14
Company: EQUIFAX, 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:
I've been going back and forth with XXXX/XXXX/XXXX and the credit bureaus about an account that keeps being deleted and added back to my credit report since XX/XX/2007. Each time I contact one of them they state it's the other 's fault. I just filed a complaint against XXXX/XXXX/XXXX and in their response they stated that they were doing just like I said- reporting the account as if it were more than one account and that they corrected it and removed it and if it's still showing then the credit bureaus are at fault. I just want it removed. I only have one student loan. And these accounts are annoying and ruining my credit report and my life!!!! Please see attached documentation and remove the XXXX/XXXX/XXXX account and stop adding it back on after deletion. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX Account # XXXX has violated and has discrepancy 's that need to be removed immediately from my credit report. 

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 any 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 explanation
Consumer complaint received 2020-07-29
Company: Source Receivables Management LLC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with SOURCE RECEIVABLES MNG. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and SOURCE RECEIVABLES MNG with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Wells Fargo credit card was closed on early this year because I was not making my payments on time. I contacted Wells Fargo through letters stating that I was going through a financial hardship and they still closed my account as well as keeping 4 late payments on my account. For the months of XXXX to XXXX of XXXX I was struggling to make my payments because of my financial situation back then. I have been a loyal customer with Wells Fargo since XXXX. For them to close my account and not waive my 4 late payments knowing that I was going through a financial hardship is not great customer service but terrible.

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 2018-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Bank of America credit card was closed on early this year because I was not making my payments. I contacted Bank of America through letters stating that I was going through a  financial hardship and they still closed my account as well as keeping 4 late payments on my account. For the months of XX/XX/XXXX to XX/XX/XXXX I was struggling to make my payments because of my financial situation back then. I have been a loyal customer with Bank of American since XX/XX/XXXX. For them to close my account and not waive my 4 late payments knowing that I was going through a financial hardship is not great customer service but terrible.

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 2018-09-30
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, ACCT XXXX. This account violates the FCRA because it has been RE-AGED -- the DOFD is incorrect. Original Creditors and Debt Buyers are required to provide correct information within 90 days after it appears on the file. This account has been being reported for years inaccurately. These actions can be construed as fraudulent. As such, the remedy is to DELETE this account in its entirety from 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 2020-07-29
Company: OPTUM BANK, INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XX/XX/2020 - I called Optum Bank XXXX to request statements for my Health Savings Account by mail because I am unable to access their online system. Their website crashes my system when using XXXX or XXXX web browsers. Their site is the only one that has this effect. They informed me that there will be a {$1.00} fee for each statement mailed or emailed. They stated it is legal to charge this fee and I have no recourse. 

While it is not going to cause me undue financial harm to pay this fee, I find it disturbing that in order to see my transaction history I can not receive a free paper statement. I think about the people who do not currently have access to the internet that are being charged this fee. It likely has some true financial impact on them to have to pay for paper statements. I know this is not unique to Optum Bank as it occurs on my XXXX account as well and I'm disturbed that we allow financial institutions to take this unnecessary fee from customers.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: PNC Bank N.A.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PNC Bank has changed their policies disallowing their customers to link their bank accounts to investment portfolio services such as XXXX and XXXX. They don't reserve the right to prevent me from funding my investment portfolio when they themselves don't offer services to invest my money into stocks and bonds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-12-14
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:
I have this inquires in my credit report that are incorrect and should be deleted. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXK XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Im Seeining on my equifax theres has ben an Inquire From XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX would like to be removed its FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Commonwealth Financial Services has contacted me for a debt that I don't owe at all. It's for a certain person named XXXX XXXX. This agency has even reported this to my credit report which impacted my credit score so badly.

I called and explained to them that this is a mistaken identity but they still persist. I called the original creditor but they ignore my request to have my name be cleared. I wrote them twice about this but this agency still insists that I owe this debt even if i have a different last name and have never lived on the address they have on file and never received any medical services in that area.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
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: Personal information incorrect

Complaint:
I have lived at my current address for more than a year and 3 months. I applied for credit at a retail store and received a letter from the underwriting bank that my address is incorrect and, as such, the bank would not make a decision on my application. 

Why aren't credit bureaus required to update their records on a timely matter and allowed to affect one 's credit by their negligence to do so?

Company response to consumer: Closed with explanation