BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
i had a business and it went bankrupt. I was sued and settled the debt and received a release, which was filed with the courts. The credit bureaus will not remove the judgement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, 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:
XXXX XXXX XXXX is reporting charge off every month to the credit bureaus since XXXX XXXX, with the most recent report being XXXX. XXXX. I voluntarily surrendered the vehicle approximately XXXX XXXX. XXXX has placed a balance of {$9000.00} and a charge off on my credit reports as if they have not the car in their possession/auctioned and sold the vehicle for the price or more their trying to retain from me. 

XXXX presenting a one time report to the bureaus is one thing, but to continually be reporting " charge off '' on a monthly basis for a debt that has been reconciled through the process of volunteering a surrender and XXXX retaining all remaining capital from my XXXX extended warranty that was on the car at the time of surrender ( but has failed to acknowledge they retained this money as if I'm not aware ) is obvious a greedy scandalous tactic to do harm to my credit history and financial well being. In addition to a violation of my consumer rights as XXXX has more than likely sold/auctioned that vehicle and made the balance of {$9000.00} or more while trying to scam the same amount from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
BofA has an overly aggressive security system. It has been declining charges that are regularly recurring monthly charges, as well as one-time charges. I have sent BofA letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all without correction of the problem. I did receive XXXX e-mail that stated that BofA was " investigating my dispute '', but nothing else. I am self-employed and use this card for business. For the entire month of XXXX, XXXX, BofA has been denying a regularly recurring charge for XXXX, which has my website and generates business for me. XXXX threatened me with account closure on XX/XX/XXXX for non-payment, so I paid the balance due today with another credit card. When I changed the payment method, XXXX said that BofA has closed my account. BofA has not notified me of the account 's closure, and has no valid reason for closing my account. When I call BofA, the Security Dept rep says that the account can not be accessed by the rep unless the rep can text a code to my telephone number on file. My telephone number on file is the landline for my business- it can not receive text messages. So I can not tell the rep what the code is, and the rep says that he/she can not access my account. It is a vicious and ridiculous cycle. The telephone reps sound like robots, and state that it will not do any good to speak with a supervisor because BofA will not allow a supervisor to access my account either. The only remedy they can come up with is to go into a branch. We do not have a BofA branch in my county, and the reps tell me that BofA will not reimburse me for 4 hour ( roundtrip ) to another county just to go into a branch to prove my identity.

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 filed a complaint against XXXX XXXX XXXX XXXX XXXX with the CFPB concerning fraudulent reporting of a non existent debt. The number is XXXX. 

I disputed the account with Transunion on XX/XX/2021. They " automatically '' validated the debt with the fraud company and sent me results on XX/XX/2021 that the debt was valid. 

I responded by filing a second dispute with Transunion stating that XXXX XXXX XXXX XXXX has not sent me any documentation validating the debt. I have asked REPEATEDLY for them to send me proof of the debt and they haven't. The first time I was ever contacted by the company ( by phone ) I DISPUTED the debt and confirmed with my credit union ( email attached ) that the debt is not valid. XXXX XXXX XXXX XXXX  has not sent me any information about the debt, I have not received ANYTHING in the mail from them. They are breaking the law. 

I asked Transunion on XX/XX/2021 to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I asked that the description of the procedure used to determine the accuracy and completeness of the information is needed. 

I asked for them to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof the debt is valid or bearing my signature. 

Today I received a form letter from Transunion saying that their " investigation is complete '' and that the collection company has verified the debt. However, I did not receive any of the information I asked for in the letter. No evidence to back up the debt, no signature, no name of anyone who personally verified the debt. 

Transunion is allowing a debt that has not been proven valid to remain on their system. It is not in " Disputed '' status, and XXXX XXXX XXXX XXXX continues to leave threatening messages on my cell phone, also in violation of FDCP as they are threatening mesasges AND they are using fake names and different phone numbers that all end up at someone at XXXX XXXX XXXX XXXX. 

These are clear violations of the FCRA and FDCP acts. The actions of XXXX XXXX XXXX XXXX, along with the INACTIONS of Transunion are harming my credit and causing me financial harm.

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 2021-07-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On the XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later i have not received a response stating the status of my investigation. I feel like i am being taking advantage of and being ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 40days therefore they should be deleted promptly. I demand these accounts to be deleted immediately or i will file for litigation due to the stress you caused me. In addition, my information was also impacted by the equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Aargon Agency, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My brother XXXX XXXX has been stealing my identity for over 10 years. He has used my identity to receive medical services and anytime he was arrested. This has caused a great amount of stress, as each time it has happened I have to file a police report, take time off of work to go to court to prove that it was not me that committed a crime and having to call each debt collector to fix these issues. 

XXXX received services from XXXX XXXX using my name and SSN and I got a collection letter 3 years later for this. I have called Argon to explain this and mailed a letter to them with my filed and they have yet to provide me with the medical bill or any further proof that it was indeed me ;.

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 2022-10-28
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK OF 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 response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
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: Their investigation did not fix an error on your report

Complaint:
Hello! I was alerted by XXXX XXXX and transunion that a bankruptcy was on my credit report. So I wrote the credit bureaus twice requesting their method of verification and I received letter from each that are very confusing to me. I dont know how they verified as I wrote the Alabama US bankruptcy court and they stated that they do not berify such information. See attached letter. And it is my understanding after research that only courts can verify this type of 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 2015-07-14
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Tradeline was disputed multiple times and each time came back as verified. Acct ... XXXX. I would like to know the name of the person Experian verified with each time, the dates, the address, and the phone number used. The number on the credit report is not even a working number. I have gone to the courthouse and this judgement is not a recorded judgement. The people at the courthouse have also informed me that they have never had a credit bureau call them and verify anything..on anyone. They also said that they do n't report to the bureaus so it 's not them reporting and verifying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX i had my bank account hacked and all my money from my savings transfered into my checking account and stolen from my checking account. I have no idea how my account was breached. I pursued claims with my bank ( wells fargo ) and they soon denied the claims and stated that the money transfers were authorized and that both claims would be closed. There was a total of XXXX dollars stolen from me and XXXX was from one savings account and the XXXX was stolen from another savings account. I am XXXX XXXX XXXX and a student and im very unsure of what to do and the steps to take forward. I was working on the XXXX and seen that money was missing and tried so hard to get things settled and when i was on the phone with the claims depertment they witttness them steal XXXX dollars from me and then decided to claim that my transfers were authoized and i truly feel like i am getting sweeped to the side and i need help.

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 2022-07-15
Company: TD BANK US HOLDING COMPANY
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 information incorrect

Complaint:
During the Covid pandemic I lost my job, I was out of work for about a year and I missed a payment from target, which had a program in place for cares act..that would not report late payments to the credit agencies and they would wave late fees during the pandemic I was not aware that the late payment was posted until recently this year, I have dispute this with target and the rep told me although the late payment met the requirements of the program they had in place during the pandemic he can not go back and fix it because it is illegal for him to remove late payments, I explain that its impacting my score and Im wanting to buy a house, I asked if he could at least put something on file stating I was impacted by Covid so it wont affect my credit score his response was no I cant because I was late and legally by law he can not remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2022-10-28
Company: Experian Information Solutions 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX BANK XXXX XXXX  XXXX XXXX BANK OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-******************* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSWORLD SYSTEMS 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:
I Disputed a XXXX that was Reported on my XXXX XXXX back in XX/XX/2023. The Credit Bureau did their XXXX and removed the Account on XX/XX/2023. As of XX/XX/2023 it has reappeared back on my Credit Profile Damaging my Credit. I printed off Proof that the Account was removed. Could you please help me with this, it is Hindering me. I will also reach back out to the Credit Reporting Agencies to see if this can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: SYNCHRONY FINANCIAL
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
Received an unsolicited email from Synchrony Bank saying I had a payment due for for purchases made on an Amazon credit card, but I have NO such account/balance. I believe this is a deceptive advertising tactic or outright fraud.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  account with account # XXXX  opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX account with account # XXXX  opened on XX/XX/XXXX and a balance of {$23000.00}. 

XXXX XXXX XXXX with account # XXXX   opened on XX/XX/XXXX and a balance of {$13000.00}. 


XXXX XXXX  account with account # XXXX   opened on XX/XX/XXXX and a balance of {$25000.00}. 


XXXX XXXX  account with account # XXXX   opened on XX/XX/XXXX and a balance of {$790.00}. 

XXXX Line of credit with account # XXXX   opened on XX/XX/XXXX and a balance of {$6.00}. 


XXXX Unsecured loan with account # XXXX  opened on XX/XX/XXXX and a balance of {$18000.00}. 

XXXX Charge account with account # XXXX  opened on XX/XX/XXXX and a balance of {$1400.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX  and a balance of {$1400.00}. The original creditor is XXXX XXXX. 

Collection account from Unknown with account # XXXX  and a balance of {$49.00}. The original creditor is XXXX XXXX. 

I couldn't apply for a home loan because of all of these negative credit items on 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 non-monetary relief
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: WI
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:
When I went to the car dealership I got approved for one lender but ended up with 8 hard inquiries that I wasn't aware of. 

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 I Need Them Removed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation