BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-05
Company: EQUIFAX, 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: NJ
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:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Transunion File # XXXX dated XX/XX/2019 has XXXX XXXX showing and I OPT OUT on promotion and Transunion should not be letting XXXX XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX IL XXXX pulling or doing account review I did not request or inquire to there products. Please stop with the scams of selling information after I opt out.I have also filed a XXXX Attorney complaint on Transunion as well

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 2018-01-05
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft.  He was notified XXXX XXXX/Walmart XX/XX/XXXX of a fraudulent application submitted with his information without his consent.  This left a fraudulent related inquiry on his XXXX credit report. An official dispute of this was sent to XXXX XXXX/WalMart XX/XX/XXXX and again XX/XX/XXXX however XXXX XXXX/WalMart has not replied which is a violation of the FCRA.

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 2023-02-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-07-27
Company: EQUIFAX, 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:
I receive alert on my XXXX XXXX portal that XXXX , XXXX of XXXX XXXX, CT.XXXX Contact XXXX pulled my credit XXXX and there is XXXX hard inquiries on my credit report with XXXX , Equifax and XXXX. Why XXXX XXXX not reporting accurate information? Is this a Retaliation from my file Federal Government complaints against XXXX XXXX? There should only be XXXX inquiry from XXXX , XXXX not XXXX inquiries. XXXX hard inquiries is listed for XXXX XXXX,2017 My VA Loan agent only pulled my credit XXXX and she is with XXXX XXXX XXXX XXXX in XXXX, Florida. She is a excellent Military Veterans supporter and very experienced in credit matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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:
Dear Sir, I was looking at my Bank of America Mastercard online in XXXX and I was charged 4 times for " XXXX XXXX XXXX '' and 4 foreign transaction fees on XX/XX/XXXX. The Bank didn't find these fraud charges, I had to find them myself and call the Bank! I did not make these purchases and it's over {$1000.00} on a single day. I have never been to XXXX and I don't even have a passport. I am a XXXXyear old retired woman in California. I called Bank of America to report the fraud and I talked to someone named XXXX. They closed my account but today they said they are rejecting my fraud claim and they are going to re-charge me for these " XXXX XXXX '' fees because they said I was there or I authorized someone to use my card with a chip. That is impossible. I have never let anyone use my card and it was not me making these purchases! I don't even know what XXXX XXXX is. I refuse to be abused by this bank who thinks they can take advantage of me to make money for something done in another country. If this is not fixed I will complain to my congresspeople as well and I will be writing a letter to my paper and the XXXX. 

Please fix this. Thank you. 
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 2018-09-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
The home was purchased in XX/XX/XXXX. The original mortgage was transferred to XXXX XXXX and ultimately to Wells Fargo. In XX/XX/XXXX, the owners received an unsolicited visitor who promised to reduce their interest rate from 7 % to 6 %, one free month mortgage payment and provide {$2000.00}. Mr. & Mrs. XXXX never received any further documents or funds. Also, it appears this was a second mortgage for over {$85000.00}, which has been consolidated with the original with a maturity date that has changed from XX/XX/XXXX to XX/XX/XXXX. In  addition, the monthly payment has increased. 

Wells Fargo was recently contacted and is in the process of researching originating documents. They told the homeowners a follow-up will be made by XX/XX/XXXX. 

It appears there was a discrepancy on the mortgage note filed with the County of XXXX. 

The homeowners are seniors and on a fixed income. The current monthly mortgage payment of {$1900.00} is causing a hardship that they will note be able to keep for very long. 

Additional assistance is needed.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is to inform you that there was no information has been received with our disputes. I am writing to express my concern regarding the lack of response to my previous disputes. I have submitted disputes to your bureau regarding inaccuracies on my credit report, and to date, I have not received any information or resolution. 
I previously submitted disputes on the following accounts : XXXX XXXX XXXX -PLEASE DELETE!!!! 
XXXX XXXX XXXXPLEASE DELETE!!!! 
Despite my previous attempts to address these concerns and seek correction, I have not received any communication from your bureau acknowledging receipt of my disputes or providing information on the status of the investigations. As a consumer, I am entitled to timely and accurate responses under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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:
It was revealed in my credit report that a charge off account is inaccurate that I did not authorize.I would like this accounts immediately remove from my XXXX, XXXX and Experian credit report : Account name : XXXX. XXXX Acct XXXX Date open : XX/XX/2018 charge off date:XXXX  ( Experian ), XX/XX/2018 ( XXXX ) XX/XX/2018. I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.

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 2019-11-14
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Square.com is attempting to deduct {$600.00} from my checking account. They are charing it to my square business account, XXXX XXXX. It is registered to my email address of XXXX. I have contacted the company multiple times. 

I received a VERY vague email from them stating that the funds were owed on another account under the name XXXX XXXX or ( XXXX XXXX ). A name that is not associated with my company in ANY way. That person as I researched does not even live in the same county. XXXX is simply attempting to deduct the money based SOLEY on the last name. I have argued with them, sent letters, and emails. Their staff who work in the financial department do not even take phone calls, why should be illegal. XXXX was forced to comply and take calls, Square should as well ... especially when scamming money from businesses. 

I want the harassment to stop. My company, XXXX XXXX, DOES NOT owe {$600.00} and the name XXXX XXXX is NOT affiliated with us in ANY way. XXXX is simply using the last name, which matches mine, to attempt to recover money they lost on another account that is in no way associated with my or the business. The account under " XXXX XXXX '' is not linked to my SSN, DLN, ADDRESS, bank account. 

On XXXX Square downright refused to allow me to speak with Account Recovery. The customer service rep, XXXX, was less than helpful. I was told, after finally being able to get through to a live person that there " account recovery '' department can't take calls. I was advised to email them. I have emailed them numerous times with zero response. I have attached the only emails I have ever received from them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
SEVERAL DISPUTES SENT BUT NO RESOLVE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Paypal credit account was closed due to insufficient funds and late fees ; I was informed via telephone that if I submitted my bank statement showing my account balance, they would reopen my account. Now I am being told that they won't reopen my account, and I have to apply for a new one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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:
In accordance to the fair credit reporting act, Experian has an obligation to publish valid information. After an investigation on my credit report, they have Verified the below accounts as valid/true. According to dates reported, amounts owed, payments, there are inconsistencies present. In 15USC 1681a in the fair credit reporting act, I am a real and natural person. I am entitled to fair reporting. Experian has violated my rights in not providing fair and real reporting on the following accounts. I've attached a copy of my credit report as evidence. 

Account name XXXXXXXX XXXX  Account number XXXX .... 


XXXX XXXX  Account number XXXX .... 
Recent balance {$770.00} as of XX/XX/2022 XXXX  XXXX Account number XXXX .... 
Recent balance {$2800.00} XXXX XXXX  Account number XXXX Recent balance {$300.00} XXXX XXXX XXXX IN Account number XXXX .... 
Recent balance {$820.00} XXXX XXXX XXXX  Account number XXXX .... 
Recent balance {$1700.00} XXXX Account number XXXX .... 
Recent balance {$1200.00} XXXX XXXX XXXX  Account number XXXX .... 
Recent balance {$15.00} XXXX XXXX Account number XXXX .... 
Recent balance {$490.00} XXXX XXXX Account number XXXX .... 

XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$16000.00} XXXX Account number XXXX .... 


XXXX OF XXXX XXXX  Account number XXXX .... 


XXXX Account number

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 2022-01-20
Company: ALLY FINANCIAL INC.
State: IL
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 recently applied for a refinance with XXXX  XXXX my current lender is Ally I have been on the phone for numerous hours trying to fix this issue XXXX  XXXX declined my refinance after approving it due XXXX erroronus reporting the Auto loan was closed. I have reached out to Ally and will be also filing a report against them They report that since the reporting on the other two credit for us were correct that this issue was on XXXX this has cost me and I can provide proof well over {$3000.00} of savings and a {$40.00} a month savings on my auto loan as well as a few months of payments this has hurt my family financially and wasted a great deal of my time. These times are hard enough but when I major financial company calls me this much harm as well as Ally passing the blame on to experience I am very upset all these long hold times in XXXX reporting has impacted my family and the issue needs to be resolved.

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 2021-02-01
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Without any prior notification from Vance and Huffman, i was notified by my credit monitoring company that a collections was placed on my credit report. I have received noting in writing about this debt and have no knowledge of it. I am a service connected XXXX veteran on a Veterans pension and was in the process of buying an RV to live in until my credit score dropped 40 points after Vance and Huffman put this collections on my credit report and the lender backed out of the loan. I can not describe how angry and appalled I am at this I know nothing about this loan and demand that this be removed from all three credit reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
USAA is re-aging and fraudulently reporting incorrect information on all three of my XXXX 's and directly impacting my ability to obtain a mortgage. USAA is reporting the date first major delinquency reported as XX/XX/XXXX. USAA is also reporting major delinquency XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. None reported as XX/XX/XXXX. Second, the account is not late 189 days. The account is not in collections. USAA charged the debt off after they were advised the charges were based upon fraud and forgave the debt. This conduct is retaliation on the part of USAA.

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