BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: OH
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 have a unverified account with XXXX I have never done business with this company. I believe it is a HIPPA Act violation. I would like to know how my personal information was used and accessed without my permission. The reason for my dispute isXXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX is in compliance with OHIO LAW. I  also have report this account to the FTC, and XXXX County Sherif Dept. I need this collection account to be removed from my credit report. XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Experian Information Solutions Inc.
State: CA
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:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 2020-06-02
Company: CORELOGIC INC
State: OH
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 have a unverified account with XXXX I have never done business with this company. I believe it is a HIPPA Act violation. I would like to know how my personal information was used and accessed without my permission. The reason for my dispute isHRRG was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX County Sherif Dept. I need this collection account to be removed from my credit report. XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account 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 2022-12-02
Company: EQUIFAX, INC.
State: NE
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, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be adjusted and 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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: Personal information incorrect

Complaint:
I checked my credit reports and saw various incorrectly reporting physical address, name variations and employment. 

I have tried to contact XXXX XXXX and Equifax by phone to challenge and dispute ; however, there are no resources to help. 

Incorrect name variations : XXXX, XXXX, XXXX XXXX, XXXXXXXXXXXX XXXX Incorrect Addresses XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX Incorrect Employers XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to dispute an account and experian is saying I am not who I say I am and refusing to look into my complaint even though I have provided all necessary item needed to prove who I am, I have asked them what other proof of identification they are requiring and they have not responded. They continue to use this as their way of not investigating my complaint.

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 2020-10-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I logged into my credit card app for XXXX  XXXX and checked to see how my credit is doing since I make my payments on time and saw that there are 3 negative accounts on there that are not mine and dont recognize them. I know what accounts I have and theyre all in positive good standing almost paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: The CBE Group, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CBE sum how showed up on my credit. Did not ever have charter services. Its hurting my credit and needs to be removed. The ammount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXR XX/XX/2021

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 2021-05-28
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:
I previously filed an identity theft dispute regarding accounts on my credit reports that do not belong to me. I have attached the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I got a deposit from my uncle which is a loan for my debt with XXXX bank which is {$8500.00} and my uncle sent me {$11000.00} because thats the amount of the loan you requested and key bank has put an hold on it for up to 3 weeks now and also your social security came in also and they didnt allow you to take that out also asking for a prove of the {$11000.00} why your uncle has already made contact with them and key bank stole your {$65.00} from your account why you are in quarantine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX xxxxx XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c ( f ) 1681B ( C ) 15 USC 1681c-1 : Identity theft prevention ; fraud alerts and XXXX XXXX alerts

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 2021-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Through certified mail, USPS, I have asked the company to send validation that this account is mine. The company has not returned any information that proves I entered into a contract or any agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
When I opened a Wells Fargo credit card, I was sold and accepted a product that would pay my payments in the event I became XXXX. I paid my account perfectly until I suffered a XXXX XXXXXXXX. I was unable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for approximately 1 year. I am now XXXX XXXX. As soon as I was able to handle some of my personal business again, I called the number from the program. I was told to call Wells Fargo directly because they closed that program and department after getting in trouble for adding the product to accounts without consent. I was told that I couldn't make a claim on the program or receive any benefits because I did not file before the program closed. In my program documents, I have until I am able. I attempted to file the claim as soon as I was able. After speaking with many collectors when I called and explaining the situation many times, the executive office responded and said they could do nothing to help me, even though they took my money all that time and even though the XXXX " incident '' took place while the program was still active. The account is charged off and appears on my credit. Now years later, I have received a check from Wells Fargo Remediation for {$830.00}. The check stub describes it as refund for Credit Defense service, applicable fees, interest, and lost compensation. I tried speaking with someone from the number on the stub but they couldn't help. I have again made a complaint to the executive team but the only response I get is that more time is needed. This has been going on for years. I do not care to have the money I paid for the program refunded. Rather, I want Wells Fargo to take ownership of the problem and correct it. If I were able to file my claim as described in the brochure, all of my payments would have been made by the program to Wells Fargo, my credit would show the account paid as agreed, and my credit report would not show {$3700.00} in charged off debt. I have not cashed the {$830.00} check they sent me. Please help me finally resolve this situation with Wells Fargo.

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 2020-06-02
Company: Experian Information Solutions 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 attempted to remove a security freeze temporarily, and submitted all the required data INCLUDING my correct pin. 
Then they required I submit a letter with extra information. 
There is no option to speak to representative to try resolve this. 
Their requirement for me to submit a letter and other documentation is excessively onerous and time consuming especially sine I have already had my credit freeze with the two other credit reporting agencies lifted AND I have furnished Experian with ALL the data they requested. 
The only reason I had to freeze my credit was because XXXX  negligently released all of my secure data. 
I feel that Experian is now negligently failing to lift my credit freeze temporarily and should be sanctioned by your office for 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 2019-03-09
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Im submitting this complaint with XXXX because my credit score was negatively impacted due to XXXX reporting a late payments against me. My credit report shows a late payment was reported during the month of XX/XX/XXXX. I was a loyal customer to XXXX ever since received my auto loan in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX for the month reported as late and I scheduled my payment to be withdrawn from my bank account on-time for that bill. XXXX  either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX about any impending or existing missed payments on my account for the month reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payment was not posted when I logged into my online XXXX account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payment had successfully been transferred to XXXX. I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any payment as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for over 4 years due to the late payment on my record caused by XXXX. Since this late payment is not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX  to remove the late payment during the month of XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. If you have any questions, or require further information from me, please feel free to contact me at your convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2018 I went to Best Chrevloet with my pre-approval from XXXX XXXX. I informed the salesman XXXX that i did not want my credit pulled to other lenders because of my existing offer with XXXX XXXX. I wrote on my credit application, I only authorize for XXXX XXXX. XXXX XXXX a finance manager at the dealership sent my credit report to multiple dealers. I spoke with the salesman and the finance manager which both of them acted as if they knew nothing about it. I need the inquiries to XXXX XXXX, XXXX, and XXXX XXXX deleted from my report. I am livid that they misused my credit application for their own benefit.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: NY
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 have ACCOUNTS passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate the accounts listed below. 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2023-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Beginning on XX/XX/XXXX we signed up for XXXX. Every month since then we were double billed for XXXX. The period from XX/XX/XXXX thru XX/XX/XXXX we were billed for {$17.00} and XXXX. From XX/XX/XXXX thru we were billed {$9.00} and {$19.00}. In XXXX we noticed the double billing and contacted XXXX, they apologized and said they could only credit us for 5 single charges. XXXX said to contact our bank to get the credits. Some time in XXXX we sent a letter to B of A requesting the credits. We didnt hear back from them so I resent the letter through certified mail on XX/XX/XXXX. To date we have heard nothing.

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 2020-06-02
Company: Experian Information Solutions 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:
I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED A SECURED CREDIT CARD WITH XXXX XXXX, I HAVE NEVER SEEN THE CARD, I HAVE NEVER AUTHORIZED THAT SECURED ACCOUNT TO BE OPENED. I COME FROM A COUNTRY WHERE EVERYTHING IS CASH HANDLED AND I DONT BELIEVE OR TRUST THE CREDIT CARD CONCEPT. IF YOU LOOKAT MY CREDIT REPORT YOU WILL SEE THAT I DONT HAVE NAY CREDIT CARDS, NO AUTO LOANS, NO STORE CREDIT CARDS. THE XXXX XXXX SECURED CREDIT CARD IS FRAUDULENT, ITS NOT MINE.

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