BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2023 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 Im being taken advantage of and being ignored of my disputes and concerns. 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 from 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 gotten 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 2020-01-27
Company: AFNI 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: Information belongs to someone else

Complaint:
Per FTC sec 609 companies are not validating credit account. They are simply verifying my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: EQUIFAX, INC.
State: NY
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 been working with Equifax to update or delete accounts that have errors on my credit report and Equifax confirmed they did a complete investigation into the accounts and everything is 100 % accurate by law. 

I then pull my annual credit report from Equifax and notice the changes have not occurred. I have attached the accounts in question, I have highlighted the issues and I am submitting this filing for help addressing this big company. 

I have noticed they are manipulating my scores. Please see attached for a detailed picture.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Bank of America charged off a loan that is not resolved. I do not owe the amount they charged off because they are supposed to repossess the car and sell it. I am responsible for the difference. 

XX/XX/XXXX, my XXXX XXXX was in an auto accident. It was repaired by XXXX XXXX XXXX, XXXX, NY. XXXX XXXX issued a check paid to XXXX XXXX XXXX and another party. The car is licensed, registered and insured under my name only. Even though it was a third-party check, Bank of America cleared the check with one signature ( the other party who does not have any claim to the car ). The Body shop was not paid. Numerous calls to the insurance company and they said they were waiting for Bank of America to re-issue another check to pay for the car. XX/XX/XXXX I lost my job and I called Bank of America and asked them to take the car. I was told that a voluntary repossession was not possible because my account was current. My situation got worst ; I was diagnosed with XXXX XXXX in XX/XX/XXXX. I called Bank of America when I realized they did not pick up the car and explained my situation and told they need to pick up the car. They said they would have someone go to inspect the car and let me know the next steps. I never received a call about the next steps, just daily calls harassing me for payments. I told my story to numerous representatives and to date, no resolution. Now it is on my credit report as 'charge off. ' The last representative I spoke with, told me that the record shows, that Bank of America is deciding if they should re-issue a check or pay 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 2023-04-15
Company: Experian Information Solutions Inc.
State: SC
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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 2019-08-12
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: Information belongs to someone else

Complaint:
I have incorrect information on my credit file as a result of identity theft : XXXX  XXXX XXXX - OPENED XX/XX/2019 - {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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: Investigation took more than 30 days

Complaint:
I have a fraudulent auto loan and a bankruptcy showing on my credit file. I provided an official police report and the bureau told me that they could not accept it and or remove this from my file because the report didn't have a logo on it. I call the detective that is handling my case and he even told the representative that it's an official report with a seal. Nevertheless the bureau wouldn't accept it. I told the my file must be mined with someone else. These items on my file are hurting my credit. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I froze my Equifax credit file in 2018 due to their data breach. I am now trying to unfreeze my credit report to apply for a credit card. Equifax is not allowing me to access my online account. When I called the representative on the phone was unhelpful and stated he could not verify my information since I do not carry a balance on any of my credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-02-11
Company: EQUIFAX, INC.
State: PA
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:
PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: PA
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/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 yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 dad has the same name as I do, in my credit report is showing that I owed a vehicle that is not in my name or my social security number. That account is hurting my credit because I can not apply for a mortgage loan or any type of loan due to that improper information in my account.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: WI
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 2021-05-12
Company: DISCOVER BANK
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 information incorrect

Complaint:
I applied for a credit card with Discover through a soft credit inquery and was denied. I then only switched the value to the desired amount ( less ) for credit and resubmitted, though this time they treated it as a hard credit pull without explicitly stating this information up front. 

I've called Discover multiple times about this and they stand firm that they are right and I should have known that this minor adjustment within the application would trigger a hard credit pull. 

This is total XXXX XXXX that they are standing by this, they don't even know what the web portal looks like, but are comfortable saying I should have known. I've talked to them on the phone for hours and they are not helping me, it's mind blowing that they can stand firm on something they don't even know about, nobody I talk to even knows what the credit application looks like or includes. 

I want this removed, it is not right and Discover mislead me by saying it was a soft credit pull and did not clearly state this minor adjustment to the application would evolve into a hard credit pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Credit Corp 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: Problem with personal statement of dispute

Complaint:
On, XX/XX/2019 at XXXX XXXX., I made a call to Credit Corp Solutions at XXXX and spoke with XXXX to obtain a settlement with an agreement to remove the credit line from my credit report. The manager,  XXXX, agreed and stated that it would be removed in 30 days. I have contacted the company numerous times because they have not yet honored the agreement. I spoke with XXXX XXXX, Senior Manager at XXXX on XX/XX/2019 at XXXX XXXX., at which time, he stated that he will make sure that their Compliance Dept. will delete the item from the report. I spoke with several different representatives from XXXX 2019. Another call, I ended up speaking with a representative by the name of XXXX on XX/XX/2019 at XXXX XXXX. He assured me that he will look into the matter and make sure that it would be handled. I called the next day because I did not hear anything back as promised on XX/XX/2019 at XXXX XXXX. at XXXX ( ext. XXXX ) and spoke with XXXX again and he stated the exact same thing to me as the previous day, he would handle it. Several more calls were made to the point that XXXX no longer answered my calls. On XX/XX/2019 at XXXX XXXX., I spoke with XXXX, whom claimed to be an account manager, which she agreed that her records showed that they have deleted the item on their end. Someone by the name of XXXX jumped on the line at XXXX XXXX., and stated that he was working on my behalf to contact XXXX to see why they have not deleted being that they have submitted a request for deletion. I contacted XXXX, and the representative stated that they had no request to delete from Credit Corp Solution. I then proceeded to dispute the matter, which was done on XX/XX/2019. Only two days later on XX/XX/2019, I received an update to the dispute that the information was accurate. I contacted Credit Corp Solution on XX/XX/2019 at XXXX XXXX., and spoke with a representative by the name of XXXX and explained to her everything that had transpired. She stated that they have done everything on their end and has submitted a request to delete but could not give me a date of when it was submitted. This company has been giving me the run around since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX these items above should be removed from my report 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 non-monetary relief
Consumer complaint received 2021-05-12
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
THIS ACCOUNT HAS BEEN PAID IN FULL AND I HAVE A LETTER FROM THE CREDITOR STATING THAT THE ACCOUNT IS PAID TO A XXXX BALANCE AND THERE IS NO MORE RESPONSIBILTY OF ME TO THIS DEBT. I HAVE SENT THIS INFOMATION TO THE CREDIT BUREAUS, BUT THE ACCOUNT IS STILL REPORTING AN OPEN BALANCE. THE ACCOUNT SHOULD BE CLOSEED AND 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 non-monetary relief
Consumer complaint received 2021-07-06
Company: Bridgecrest Acceptance Corporation
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: Account status incorrect

Complaint:
My vehicle was falsely repossessed by my apartment complex, I was out of town on business and came back to it gone. The apartment will not reimbursement the fees I had to pay and the lender, Bridgecrest, has listed it as a repossession due to non-payment. My car has been paid continuously and ON TIME. They refuse to remove the information! The information reporting for this auto loan is completely false. Payments were made on the account as scheduled. My apartment complex wrongfully had my car towed when I went out of town for three ( 3 ) days because they said it had not moved from where it had been parked. The apartment complex claims that they did not have it towed but a towing company isn't going to just randomly drive into a complex and tow a car away. I have proof that my payments were being made and that they were on time, this was not a situation where the lender repossessed my car for non-payment. I am enclosing documentation to confirm that the information that I am stating in this correspondence to you is true. Please remove the notation that this was a repo on my credit report because it was not. My payments were never late and this situation had nothing to do with my loan but an issue with my apartment complex.

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 2019-08-12
Company: National Credit Adjusters, LLC
State: MO
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 issued a few disputes in various ways about this already, but didnt realize the scope of the problem. At first I thought this only was on my XXXX   report. Now I realize its also my XXXX and XXXX as well! 

There is an account from a Collections Agency being incorrectly reported an my credit files. 

The account is from the collection agency, National Credit Adjusters, account # XXXX This account was paid in full with a XXXX dollar balance, closed settled as of XX/XX/2016. It should not be active on any of my reports. I have submitted various disputed to all three credit bureaus now. XXXX simply responded that the Collections Agency is not reporting at this time. 

I should have no accounts in collections, and further, XXXX is displaying this item as a Charge Off, meaning that they say I still owe money for it. 

National Credit Adjusters needs to be held responsible for correctly reporting this item as Closed with a Paid in Full status, as of XX/XX/2016 ), and being sure the credit agencies receive that information. 

I have a correspondence from them, verifying that the status of closed and paid in full is true and accurate, which I will attach, along with pictures of the Charge Off status from XXXX and the Open status from XXXX. This account still shows as active in collection on XXXX too. 

All of this needs to be corrected and properly reported by Nationals credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: CITIBANK, N.A.
State: MD
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:
I XXXX XXXX, have had account for over three years with CITIGROUP. I started this account as a secured credit card, and graduated to a regular to a credit card. I took very serious due to the fact that I was rebuilding my credit.This card is my oldest open account on my credit profile. I received a letter on Monday XX/XX/2019 stating that the account was due to a returned payment from an account that I also have with CITIBANK. There was some unexpected transaction that was posted on the bank account that caused the payment to be returned. I was willing and able to cover the transaction and any fee/fees that may be associate with the transaction. I fine it very unfair to consumers that after years of building or rebuilding credit, that the account could closed for such minor infraction, especially given that it reflex negatively on consumers credit report to have closed accounts.

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