BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 so many addresses on my reports none of them match i have been reaching to them about not having a suffix behind my name, there are a lot of addresses, names and etc that are not related to me. I am trying to get a position with the government and i have so many inquiries on my report that someone has gotten my information and applied for everything. I do not understand how there is not enough protection to protect our information and identity. please help me to start a new chapter of my life. I spoke with the bureaus and they said I had to report to you all to get the things removed off. I have reached out XXXX to get this handled

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 2021-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This past XXXX, Bank of America ( BOA ) erroneously closed my account ( ending XXXX ) due to " Suspected Fraudulent Activity ''. This was an error on BOA 's part, and in XXXX BOA returned my full account balance of {$22000.00} from this account as a result of my complaint ( # XXXX ) filed with CFPB, along with my letters to BOA XXXX XXXX ( CEO XXXX XXXX XXXX XXXX XXXX and XXXX XXXX - see attached emails sent XX/XX/21 ). 

This full return of my funds proves that there was NO FRAUD ACTIVITY on my account ( ending XXXX ). In fact, any 3rd party transfers into this account were made solely and knowingly by my husband, XXXX XXXX, with his full permission and consent. 

This does not completely solve my problem, however. Despite returning my funds, BOA has still not made any effort to clear my name with the XXXX ( XXXX ) reporting system and XXXX XXXX XXXX ( XXXX  ), which currently prevents me from doing any business with other financial institutions. BOA must immediately remove this " Suspected Fraud '' from their reporting system, as it has conclusively been proven to be NOT TRUE ( as evidenced by the full return of funds ). I have repeatedly requested that BOA correct this erroneous reporting, but they still have not done so. 

Furthermore, when XXXX verified my request to correct this error, BOA made another erroneous statement that I never contacted BOA executive offices, which is also wholly untrue as stated above. This BOA error has caused another denial of my request to correct my good standing within the XXXX  ( attached letter of denial received XX/XX/21 ). This reporting error has still NOT been resolved, and I have left 5 voice mails with Mr. XXXX XXXX at BOAs Regulatory Complaints, but he has not returned any of my calls. 

I am hereby filing this complaint to correct BOA 's erroneous reporting on XXXX for my account. This continuing problem needs to be immediately resolved and all suspected fraud reporting removed from my record. 

I work in the financial service industry, and its vital to keep my financial record impeccable, especially with other financial institutions. BOAs erroneous reporting, and continued delay in correcting its error, is causing irreparable harm to my career and ability to make a living. 

XXXX XXXX ( 2 ) letters attached

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 2019-05-17
Company: EQUIFAX, INC.
State: CT
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:
After submitting a dispute to Equifax, I am unable to receive the results. I received an email stating that my dispute had " been completed, '' with a link to a website. When I logged into the website, I received an error message stating that the site was " unable to complete this action at this time. '' I tried this four times on four separate dates. On the fifth try, I received a message saying " it looks like we need more information '' and directing me to call a phone number. When I have tried to access the dispute results through Equifax 's telephone system, it brings me to a pre-recorded message stating that " the results have either been mailed to your home or posted online on our dispute resolution site. '' There is no option to speak to an operator, and the results have not been mailed to my home. It seems that Equifax does not actually have a functioning system to inform consumers of their dispute results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Experian Information Solutions Inc.
State: MI
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 dispute with all three of my credit report companies requesting information on a accounts that were reporting incorrectly. The first time I disputed accounts in question I did through the reporting agencys website and after receiving document stating that they verified as correct!! I then practiced my rights and sent them a certified letter indicating the results and I was wanting to know the method that was used to verify the incorrect information that is harming my account as stated in federal law Section 611 ( a ) ( 5 ) ( A ) ( i )

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 2017-11-28
Company: EQUIFAX, INC.
State: NE
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:
A loan using my name and information was approved and pushed through by XXXX XXXX XXXX and I was put down as the Co signer on the loan. I never agreed to the loan or signed for it. I made the XXXX aware a large number of times and they continue to hold my credit hostage. I have offered my explanation to XXXX and XXXX but they are to concerned with my credit. They only want my high credit attached to a bad loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
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: Credit inquiries on your report that you don't recognize

Complaint:
To whom this may concern, I contacted Experian dispute hotline at XXXX to dispute inquiries on My report that I did not authorize. I was told by the customer service agent I spoke with that they are unable to remove unauthorized inquiries without the company consent. I then attempted to contact the companies by using the contact numbers listed on my report and was told I have to contact Experian directly. I proceeded to contact Experian AGAIN at same number listed above and was denied the ability to remove the unauthorized inquiries again. I have run out of available resources to resolve the matter and am highly dissatisfied. Response received from experian states " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The report number is listed on the attachment please see for details. I was never provided a dispute number for inquiries.

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 2018-01-31
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My wife and I are in the process of buying a home. We do not have access to our credit scores ( yes, our credit reports, but not the scores, which are the only things that matter ). That should not be allowed. The bank shouldn't be able to hold my credit score against me and then nobody in the world can tell me how to increase my score. The American people never gave their consent, nor did the American government ever pass a law that allowed the credit reporting bureaus to have unfettered control over Americans ' financial lives. 

My specific problem is that the free annual credit report online constantly crashes. When this occurs, the taxpayer is no longer allowed to access a free annual credit report because the website shows they've already accessed the report. One then goes to each bureau 's website to specifically dispute incorrect information. 

In my case, two our of three websites did not work. XXXX XXXX website crashed in XXXX XXXX, so I had to go to XXXX and re-submit all the information for about 12 disputed items. When I finally submitted the dispute request, I received a message that I'd disputed an item that was no longer on my credit report. How can that be? I was disputing items that showed from my credit report IN THEIR SYSTEM! 

In the case of equifax, I logged in and confirmed my identity. I then disputed the same 12 or so items that were incorrectly reported on XXXX XXXX report. The Equifax system then crashed when I clicked submit. It has now been down for several hours. 

I have spent 4 hours trying to dispute patently false information on my credit report after working a 14 hour day at a XXXX XXXX during busy season. 

The fact that American citizens are forced to negotiate / navigate the largest personal financial decisions of their lives, whether that be the purchase of a car or a home, without full disclosure of all the information used against them is UNCONSCIONABLE! The CFPB should make credit reporting transparency and the reform of the credit reporting system their number 1 priority! No issue in the modern American landscape of personal finance has a bigger impact on the average American, and there is no other factor relative to people 's financial lives over which they have LESS understanding or control. In summary, CFPB should PROTECT AMERICANS as they approach the largest and most important financial transactions of their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Receive this loan through information online and over the telephone. Was told my payment would be a certain amount ( under {$200.00} ) and when the monthly payment was due, the amount was twice as much ( {$460.00} ) as the guy told me on the phone ...

I borrowed {$2500.00} and with in four months The loan has ballooned to {$8100.00} ... I was misinformed, the statements that are sent to my house are inconsistent with the online account balance, when you call the customer service reps, they talk in circles and use language and jargon the average person cant understand ...

This Company is out to manipulate and steal peoples money. They are vultures

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Bread Financial Holdings, 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 cancelled a BJs credit card in XXXX of XXXX. The membership fee was waived and credited to the account the same month. The credit card company, Comenity Capital Bank, continues to report the account as delinquent. I have spoken to Comenity managers several time over the past 3 months to no avail. I have called both reporting agencies ( XXXX and XXXX ) and they confirm that Comenity is still reporting the account as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US Dept of EdXXXX. There are also inquiries on my report that .I know nothing about XXXX, XXXX XXXX XXXX  , XXXX , XXXXXXXX , XXXX XXXX XXXX AND 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 2018-01-31
Company: CAINE & WEINER COMPANY, INC.
State: OH
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 an unverified account from Caine & Weiner. I had previously disputed this account. I have never done business with Caine & Weiner. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Caine & Weiner Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Caine & Weiner Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im  gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: I.C. System, Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX/XXXX XXXX ... XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit 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 explanation
Consumer complaint received 2022-01-09
Company: Conn's, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I started to get credit to build my credit ; instead, of paying for things with cash is what my exwife suggest I should do. I also noticed that some of the things that I received on credit and paid it off without missing nor short on payments in its timely manner I did not receive points for. But, this one credit that was XXXX that was payed off with in a year that was supposed of been without interest as long as it was paid off within a year but there was interest ; so, I paid it off anyway on XXXX the account was open on XXXX and my credit score dropped after it was paid off by XXXX to XXXX points. Instead, of it increasing by XXXX, XXXX points or more. Yes I called XXXX after I filed an dispute and said, I dont understand how my score dropped instead of going up when I maintain payments, never late and paid it off in a timely manner. He quate discuss it with a Credit advisor. I told him, it makes no since to discuss it with a credit advisor when the whole idea of getting credit and maintaining it by paying it off in its timely manner is to build credit ; so, why would I want to discuss it with a credit advisor?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: LA
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 disputing the following account knowing as XXXX  credit/XXXX  To be fraud and totally inaccurate and therefore should not be on my report This account was open on XXXXXXXX XXXX in the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: IN
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 submitted multiple letters in regards to fraudulent items being reported on my credit report. My consumer rights have been violated multiple times and I have highlighted the violations within the letters I have sent to the credit reporting agencies. I am asking the CFPB to assist me in getting the credit reporting agencies to block and remove the items in which are fraudulent as well as in violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 2018-03-15
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:
Social Security shows that I owe {$15000.00} by which I don't owe any such amount. Please remove this item off of all 3 of my credit reports which is showing on XXXX, XXXX XXXX, and equifax. The dates is XX/XX/XXXX that it shows open There's also an account that show for XXXX XXXX XXXX which I don't owe I never had it shows the date of XX/XX/XXXX and amount of {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Investigation took more than 30 days

Complaint:
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation