BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
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: Personal information incorrect

Complaint:
Ive been in communications with ( XXXX, Equifax or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, Equifax or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX My only name is XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX My only date of birth is XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I cleared my Credit card bill in XX/XX/XXXX before leaving XXXX. 
One year later while i was in XXXX BOA add XXXX $ bill to my credit card which i never used as i was out of XXXX. 
My BOA checking and saving account were closed. 
I was not able to pay XXXX $ bill as i my account were closed and i did not had access to BOA due to being in XXXX. 

I came back XXXX in XXXX and found that BOA charged off {$15.00} bill and its reflecting in my credit report. 

I am unable to get apartment on rent just because of XXXX $ charge off issue by BOA.

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 2022-03-15
Company: Jon Barry and Associates, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company Paragon Revenue Group is in violation of several FCRA laws and has been attempting to collect a higher amount than is being reported to the Credit Bureaus. 
This company refuses to remove the incorrect information from my report. Pursuant to 15 USC 1681s-2 They have the duty of furnishing correct information, and once they've been put on notice, they must remove the incorrect information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
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 was told in XXXX that XXXX XXXX XXXX was going to be remove. 
Now I'm looking and I call and spoke to a XXXX he stated that my copy wasn't matching with his. And i should forward the original copy. again, I have call numerous times and still they give me the same round around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: MI
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:
Equifax reports two loans, both with XXXX XXXX, with balances due. I disputed. Equifax reported the dispute results : {$0.00} balance on both. XXXX has shown proof that the balances are {$0.00}. Equifax continues to report a balance on these accounts. Calling support is useless. Call center is foreign and asks for full social security number over phone. If the dispute department found that the balance is {$0.00}, why is it still reported as balance due? If they don't trust themselves, there is little I can do, except go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: WELLS FARGO & COMPANY
State: NY
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 am writing to bring to your attention the unresolved issue concerning late payment account on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment accounts remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 

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 2023-04-11
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
We applied for mortgage loan through bank. Experian either sold or provided personal information to other lenders without my knowledge or consent for marketing purposes. Ive received 37 calls in 2 days to my place of employment from other banks and mortgage companies trying to offer their services. Majority of them stating my information was provided by Experian. This has now become a nuisance at my place of employment. Ive requested to be removed from their marketing calls, but they fail to do so. Experian should not be providing my employment contact information to 3rd parties not authorized to view my credit report.

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 2020-04-30
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting a complaint about several collection agency that is continuously reporting false information on my credit report. I have tried reaching out to the creditors and the credit bureaus several times, I have also disputed the inaccurate debt with the credit bureaus. The collection agency do not have the proper paperwork that this debt is mine and/or that the debt has been paid off. The collection agency Convergent Outsourcing inc that states I owe XXXX $ XXXXThis reporting is not accurate this was paid in full and/or I returned cell phone to XXXX by mail in lieu of paid in full.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
In XXXX and XXXX, I filed a dispute with transunion for the unverified collections XXXX XXXX Account number XXXX. In these months, this unverified account isi still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. 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 non-monetary relief
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: IL
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-15
Company: EQUIFAX, INC.
State: AL
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:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX : All three XXXX, equifax, XXXX  Account XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX OF XXXX XXXX ) XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX XXXX ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXl : All three XXXX, XXXX, transuinion Account # : XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX OF XXXX XXXX ) XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX FIN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX XXXX ( Original Creditor : ) XXXX, ( XXXX Creditor : ) XXXX, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/XXXX I paid {$3000.00} dollars that I intended to be an principal only payment. on XX/XX/XXXX I paid {$1200.00} As my XXXX payment. Chase bank applied XXXX $ dollars as ( XXXX ) XXXX payment of {$1200.00} ( XXXX ) XXXX payment of {$1200.00} ( XXXX ) remaining balance of {$590.00} principal only. I spoke with customer service on XXXX XXXX to request my payments be applied as intended. ( 1st time ) Chase bank did not comply. I spoke with customer service on XXXX to request my funds be applied as intended ( XXXX time ). Again chase bank used funds from XX/XX/XXXX apply to XXXX payment. Chase bank contacted me on XXXX to confirm satisfaction I stated no and reiterated my request. ( XXXX time ) while misapplication reversal of funds was done. My Funds from XXXX was again applied to XXXX payment. I spoke with customer service on XXXX to request my funds be applied as intended. ( XXXX time ), submit complaint with CFPB and any action form chase bank is unknown at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My signature was forged on the fraudulent retail installment agreement. Communication was sent to the dealership to rebut about this fraudulent activity via USPS certified mail with proof of delivery confirmation. No response to resolve the situation was done by XXXX XXXX XXXX. A complaint XXXX was filed with the NY Attorney Generals Office and I received correspondence requesting documents to contact them on my behalf to remedy this serious situation. The dealership did not respond to the NY Attorney Generals office and I was advised to proceed with litigation. XXXX XXXX XXXX XXXX is aware, was not present at the alleged contract signing and been informed multiple times about this fraudulent account. However, knowingly and willingly are still trying to coerce me to pay an alleged debt I do not owe. XXXX XXXX XXXX XXXX has failed to prove proof or validation. Note : A copy or a consumer credit contract, agreement, or statement is not sufficient to validate debtor liability -it must also include an affidavit executed by someone with first-hand knowledge about how the debt was incurred. Account must be deleted immediately.

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 2021-09-16
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have 2 Complaints regarding the problems that i'm recently facing with the 2 reputed credit bureau 's Equifax and XXXX  but this specific complaint is directed towards Equifax. 
I was planning to buy a car recently and finance it through a bank/ credit union so i reached out to the respective financial institutions to apply for a auto loan and they did a hard inquiry on my credit report through Equifax but they were not able to see anything even when i tried to check my Equifax credit score on XXXX and XXXX i was able to see the credit scores from other 2 bureaus ( XXXX  and XXXX ) but not on Equifax so i tried to reach out to Equifax customer support almost 50 times from the past 10 days and there was no clear response from their side and looks like they don't even care about people, their customer support never gave me the answer that i wanted so i'm unable to get any auto loans approved as most of the banks/ credit bureau 's pull their reports from Equifax. 
So i humbly request you to help me with this situation because i won't have a good future in this country if no one gives me a loan just because of this reporting problem with a credit bureau so i request you to assist me in solving this problem as soon as possible. 
I have one more doubt apart from this, the name on my Social Security Card ( XXXX XXXX XXXX XXXX ) is different from the name on my Credit Card ( XXXX XXXX ) which i generally use so i'm suspecting if the difference in name would cause some problem, please give me further insights in this issue as well. 

Will be waiting for your Response. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Phoenix Financial Services LLC
State: OH
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:
PHOENIX FINANCIAL SERV Original creditor : XXXX XXXX XXXX ALABAMA  {$480.00} Balance updated XX/XX/XXXX... The collection has been reported as pasted due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Balance due {$1900.00} Date opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had initiated a dispute with Transunion on XX/XX/2018 due to XXXX XXXX XXXX reporting an inaccurate balance for a creditor that had been settled with. Its been 4 months which is well over the alotted time for a company to respond to a dispute before it has to be removed by the reporting credit bureau. I called to inform Transunion of these facts and they claim to not have any record of my XX/XX/XXXX dispute even though my credit report indicates that it is in fact in dispute with the comment " consumer disputes information ''. After requesting that it be removed per FCRA laws they refused and only offered to place it in dispute once again. My credit reporting is being marred by the debt collector with misinformation and by transunion for not using due diligence in deleting it from my report for the debt collectors failure to respond within the alotted time frame.

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 2023-02-28
Company: EQUIFAX, INC.
State: VA
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:
The Equifax breach exposed my information, so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. These disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 


XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b. 

By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states. Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/20 I received an alert that my XXXX XXXX XXXX had been closed without any notice. I received no written notice from the bank telling me that my account was closed or that it would be closed. The account has always been paid in full and on time without issue however it appears that the bank has chosen to close the account with notice in violation of required notice.

Company response to consumer: Closed with explanation