BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, 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 yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2020-12-22
Company: EQUIFAX, INC.
State: CA
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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, 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 want to complain about the credit bureaus and companies that I have been submitting disputes against for falsely reporting information on my credit report. I started disputing on XX/XX/XXXX, with another dispute on XX/XX/XXXX then a round now that was submitted on XX/XX/XXXX. None of the bureaus have given me valid responses and the responses that I did get were stall tactics that are accusing me of using a 3rd party. This is upsetting because I'm trying to get my credit to a point that I can purchase a property and with this false information, I'm unable to do. There's also some late payments that I was promised would be removed within 72 hours and that still has not happened. I got behind on a few payments because my husband was in the hospital with a XXXX XXXX, my priority was taking care of him and getting him back to health. I have provided proof as well of this hoping this will help in removing the late payments as a courtesy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
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: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account name : ACCOUNT XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

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 2018-11-24
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent multiple communications to Southern Management Systems. They have refused to send me the original contract that I signed. They also alleged that they have sent me verification of the debt and they were not sending me anymore corrospendences. I would like to see the contract and have the debt verified. On my credit report, it says I owe {$1600.00}. I would like to have this verified and if not verified I would like it removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions Unauthorized Credit inquiries XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2019-07-02
Company: Experian Information Solutions Inc.
State: UT
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 is reporting lates I do not have. My account was garnished at the time and there should not be any lates on it.

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 2020-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
To Whoever it may concern, XX/XX/2020 I received unauthorized charges on my Bank Of America Visa Credit Card XXXX XXXX XXXX XXXX on the date XX/XX/2020 {$270.00} at XXXX XXXX # XXXX XXXX, CA and XX/XX/2020 {$480.00} at XXXX XXXX XXXX XXXX, CA. I live in XXXX, CA and I have never been down to XXXX and XXXX. 

I contacted Bank Of America to get a new credit card and file a claim. A claim was filed on XX/XX/2020 regarding the charges {$270.00} and {$480.00}. It was deducted from my account. The representative, XXXX, said I would need to provide details through phone or email. I have not received any follow up. But I received a letter with a date XX/XX/2020 that said they extended the credit period regarding fraud dispute. On XX/XX/2020, my new Bank Of America Visa Credit Card XXXX XXXX XXXX XXXX XXXX was hit with {$270.00} and {$480.00} charges and they closed the fraud dispute without notifying me. I found the letter in my online bank account regarding fraud dispute closure has the date XX/XX/2020 and is blank. 

I have tried to contact them and so far they have not responded to these reinstated charges. 

I am aware that under Federal Trade Commission FCBA law that unauthorized charges should be charged no more than {$50.00}. I feel it is unjust to force me to pay fraudulent charges of such amounts. I want these charges removed.

Yours Sincerely, 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 monetary relief
Consumer complaint received 2020-07-17
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: Investigation took more than 30 days

Complaint:
Hi. I need some help. I was the victim of XXXX XXXX a while ago. The thief has used my information to obtain credit under my name. I have fought this several times over the years. Recently there is an account on my credit report that I have never done business with. It is called XXXX. 

Last month I sent letters to the credit bureaus to fight this account as not being mine. I don't know what happened, but I never heard back from them. Everyone I know tells me I'm supposed to hear back from them in 30 days or this account is supposed to fall off my report. Its been more than 30 days. I want this account to fall off my report because its not mine. 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 explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
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:
Tried to by a house realize I had damages on my credit report which is defamation to my character. According to the 15 U.S.C 1681 There should not be any damages on my credit report because it is a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: EQUIFAX, INC.
State: UT
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 is reporting lates I do not have. My account was garnished at the time and there should not be any lates on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05
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: Account information incorrect

Complaint:
Equifax on XX/XX/2019 I receive a letter from XXXX that they would request your BUREAU to remove three unauthorized inquiries made from XXXX and XXXX, it would take 4-6 weeks to reflect change on my credit file, it's been pass 6weeks, I have attach the letter receive by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 I made the following transaction : XXXX IAT XXXX XXXX WEB ID : XXXX debit {$100.00}. I did not receive the merchandise. I attempted to resolve with Merchant and was unable to do so. I contacted financial institution Chase and they refused to dispute because the transaction was not fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Zions Debt Holdings
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: Information belongs to someone else

Complaint:
this account is not mine i gave contact XXXX the company many times and they keep selling this account and putting it back on my credit report.

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 2023-05-30
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX, I am submitting this CFPB complaint, once again, to correct the accounts on my credit file. I demand the immediatecorrection of these accounts from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. The following accounts should be corrected right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-17
Company: BAY VALLEY MORTGAGE GROUP
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am refinancing my home loan through Bay Valley, Lending who uses XXXX XXXX XXXX company. I was supposed to get a wire sent to my bank on Wednesday XX/XX/2020. As of XXXX XXXX  on XX/XX/2020 I still have not received the wire. The Title company has not received the funds to wire. I have called and e-mailed numerous times to get the status and was told they would get back to me. That hasn't happened. I am worried I have been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three 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. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-12
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/20 - my XXXX XXXX died while on XXXX XX/XX/20 - XXXX XXXX XXXX informed me that I would need a new engine. I contacted Chrysler Corp office and was told that they can not help because my warranty expired by miles ( but not years ). I was also informed by the dealership that my vehicle was only worth $ XXXX ( my outstanding loan payoff is currently $ XXXX ). 
XX/XX/20 - I contacted Chrysler Capital to ask for lower payments and that I voluntarily participate in repossession. I was denied a lower payment ( I currently pay {$680.00} per month ). 

I had to go out and buy new vehicle after the news. Ive started the process to voluntarily give vehicle back to Chrysler Capital. Is there anything that can be done to protect my credit and have the negative equity forgiven because of the large amount of negative equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Experian Information Solutions Inc.
State: MD
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 XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1.Account Name : XXXX XXXX  Account Number : XXXX 2.Account Name : XXXX Account Number : XXXX 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 Delete these accounts immediately, unless you want to be held {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Experian Information Solutions 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:
I have unfortunately been a victim of identity theft. Various accounts were open using my personal information that I had no knowledge of. On XX/XX/2019 I reached out to each bureau ( XXXX, experian, & XXXX   ) with information including notarized fraud affidavit, detailed list of fraudulent accounts, police report as well as providing a copy of my social security card and copy of ID. The bureaus response was they would not be further investigating the accounts and nothing was removed 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 explanation
Consumer complaint received 2019-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Company stated that I was responsible for the charges and I asked the company to send me a copy of my signature so that I can see when I applied for this card up to today I havent received that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
took my ftc off and added as a debt collection fcra violation XXXX  and transunion 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 2020-07-17
Company: GVA Holdings, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
During XX/XX/2020 Target Cash Now had approved a loan application claiming they spoke to me on the phone. I have phone records that prove otherwise. The fraudulent loan application contained my stolen identity ( name, address, social security number ) as well as a false or someone elses drivers license. The employment information is false. The email address supplied has been inactive for years. The XXXX  XXXX XXXX account specified in the loan application is not mine. I have spoken to Target Cash Now agents multiple times, sent emails with police incident number, FBI IC3 report, FTC ID theft reports. My first email was sent in XX/XX/2020 which was followed by a USPS mail of the same material ( return receipt received ). I have never received a response from them nor have I received the loan number and the loan documents for my investigation into this matter. Each time I call for an investigation update, their agents dont have an update. Since XX/XX/2020, a second set of documents was both emailed and sent by USPS mail during XX/XX/2020 containing my personal investigative findings.

Company response to consumer: Closed with explanation