BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: NC
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:
Hello I have a XXXX  Brother they keep getting everything switched up on both of are credit files we are XXXX different people I have reached out to all the companies pertaining to the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: NC
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 numerous 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 alleged fraud or extortion. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
There is a complaint attached with the details and the calculations I deposited XXXX late on XX/XX/20.2018 by mobile deposit to my BOA Core Checking. 
BofA put a 10 day hold on it. 
This check came from my account at XXXX. 
On day 7 I got the XXXX rec on a call with me and we called BOA and XXXX told BOA the money cleared on the XXXX. 
This exposed all the lies BOA had given, BOA credited the funds immeidiatey, that was the XXXX. 
I had 5 credit card payments going through, BOA had held the funds to do this. 
Both the payee and BOA got to charged 3xXXXXxXXXX fees that hit XXXX for each payment. 
This is illegal. {$500.00} in fees at BOA in just one month.. These increase to {$2400.00} until I close the account. I want these refunded. 
BOA had fiduciary responsibility to tell me about SafeBalance checking and did not, they owe me all the fees for. that reason alone. This is big I have the recording.

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 2023-08-10
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:
I have attempted to resolve the inaccuracies on my consumer report with consumer reporting agencies ( XXXX, XXXX AND EXPERIAN ) for months. They have knowingly reported false information. I have sent them multiple letters via USPS certified mail with electronic signature, so I know they have received them ; I also have invoices. My consumer rights have been violated for months, and I require a resolution. According to the FDCPA and FCRA, these accounts must be DELETED, not UPDATED at this time, because they have not complied with the law. Among the provisions they have broken are 15 U.S.C. 1681 sections 611 ( a ) and 623 and 15 U.S. Code 1681i - ( Procedure in case of disputed accuracy ). They had 30 days to correct these errors, but they failed to do so. I am also aware that I am eligible for statutory damages ranging from {$100.00} to {$1000.00} per inaccuracy. 

The accounts that I am listing below are the ones that they are still illegally reporting inaccurate information on, and I would like them all deleted : XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-08-10
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my name is XXXX XXXX also on the paper I received my first and last name is spelled correctly wrong but the SSN is correct there was something opened in my name when i was only XXXX XXXX XXXX i can provide my license just to prove my birth date the amount they are trying to garnish from my check is {$2500.00} i am going to attach the letter I received in the mail and also I was told it was from a gas and light company here 's some of the information Open date - XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX - XX/XX/XXXX Judgement in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-12-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On Monday XX/XX/XXXX, I called Wells Fargo Home Mortgage and informed them that I was working on getting the funds for my XXXX mortgage payment. My home preservation specialist XXXX XXXX said I need to get the funds in my bank account today, because the payment would be presented today. The funds were deposited into my checking account at XXXX XXXX. This in fact covered my payment. 
On Tuesday XX/XX/XXXX, I saw the payment was posted. At around XXXX, I received an alert that the mortgage payment was reversed. I called the bank and was told that it was not the bank that reversed the payment, but it was WF Home Mortgage that reversed the payment. I reached out to the mortgage company and was told that the representative contacted the cash department with WF Home Mortgage. She was informed that the payment was insufficient, and the mortgage company reversed the payment. I then called the bank and received a customer advocacy specialist XXXX that confirmed the bank posted the transaction and the mortgage company reversed the payment. This reversal will cause me to break my trial modification plan. The mortgage representative said that someone on their side looked into my account to verify funds and saw I was hit an OVERDRAFT FEE, not a NONSUFFICIENT FUNDS FEE and decided to have my payment reversed. This is unethical, because I have not authorized anyone from the mortgage company to look into my Wells Fargo Bank account. I would like this looked into and I will be filling a complaint because these practices are unethical and dangerous.

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 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Previous complaint # XXXX which stated : " XXXX  doesn't offer an option for consumer disclosure and has a fine print of " The XXXX  solution is not provided by a consumer reporting agency and does not constitute a consumer report as these terms are defined by the Fair Credit Reporting Act. 15 U.S.C Section 1651 et seq ( " FCRA '' ) '' Meanwhile, they have categories on the report which relate to assets and creditworthiness. '' TransUnion responded in a non-sequitiur referring to credit reports. THIS IS NOT ABOUT MY CREDIT REPORT. 

XXXX  is a comprehensive report product offered by TransUnion - very similar to XXXX and XXXX. XXXX and XXXX rightfully offer disclosure under the FCRA but for some reason XXXX  believes themselves to be exempt. 

These comprehensive reports containing topics covered under the FCRA as they are used in background investigations, etc. 

If you're confused, the site for XXXX  is XXXX : XXXX As stated on the site : Who uses XXXX  Collections Attorneys and Law Firms Licensed Investigators Financial Services Insurance Corporate Risk Investigative Reporters Law Enforcement Government Repossession Industry Resellers As such , the reports contain data that are covered under the FCRA and must be disclosed accordingly.

It is owned and operated by TransUnion Risk and 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 2023-04-26
Company: Experian Information Solutions Inc.
State: NJ
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 complaint will gon na be my follow-up complaint to make sure that the disputed items that I complain about with my previous account dated XX/XX/XXXX, are verified in my file. I am including them again prior to my previous complaint. 

Please validate the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 complaint will gon na be my follow-up complaint to make sure that the disputed items that I complain about with my previous account dated XX/XX/XXXX, are verified in my file. I am including them again prior to my previous complaint. 

Please validate the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX XXXX XXXX, XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX   XXXX,XXXX ,  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: GA
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:
Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Fresh Start Funding, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
When I filed for Bankruptcy I agreed to pay my attorney through fresh start funding. I was able to make a few payments. I submitted emails to my attorneys, and fresh start funding my eviction letter, health issues and not working a 80 hour pay period. I called fresh start funding in XXXX AZ, and asked could I start over in a new contract and they stated no. I want to start over, and have those no payments removed from credit report. I want to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be in error : These inquires was not authorized, Please remove this inaccurate information from my credit report XXXX ). XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following account is not mine XXXX XXXX  XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following information is outdated. 
XXXX XXXX XXXX Account Number : XXXX XXXX. The following account is not mine XXXX Account XXXX : XXXX XXXX. The following account is not mine XXXX Account XXXX : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX  Account Number : XXXX XXXX. The following information is outdated. Remove from my credit report XXXX XXXX XXXX Account Number : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report with the creditor who has posted them. 15 U.S.C 1681 section 602A. I have the right to privacy. 15 U.S.C 1681 Section 604A States Consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Credit Plus Inc
State: NY
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:
CREDIT PLUS, INC is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX, XXXX  and XXXX consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b.

I have not initiated any transaction with CREDIT PLUS, INC. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with CREDIT PLUS, INC for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my ongoing frustration and dissatisfaction regarding the repeated unsuccessful attempts to correct late open accounts and remove late closed accounts from my credit report. Despite multiple disputes, these inaccuracies persist and continue to have a detrimental impact on my creditworthiness. I request your immediate attention to resolve these issues effectively. 

I have previously submitted documentation and information to support my claims during each dispute, yet these inaccuracies remain unresolved. I kindly request that you conduct an immediate and thorough investigation to rectify these issues, ensuring that my credit report accurately reflects my financial history. 

I expect that you will complete this process within the legally mandated timeframe and promptly inform me of the resolution. 

In compliance with the Fair Credit Reporting Act, I also request a written explanation of the steps taken during your investigation and any changes made to my credit report. 

The continued presence of these inaccuracies on my credit report has caused significant distress and continues to affect my creditworthiness and financial stability. I implore you to address these issues urgently and effectively. I am asking for your immediate assistance to correct or remove the accounts : XXXX XXXX XXXX XXXX Balance Owed : {$160.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX & XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto.

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 2022-07-15
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 with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal. They also violated my rights under the 15 U.S.C 1681 section 602 A. States I have 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.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

This item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history

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 2023-11-02
Company: Experian Information Solutions Inc.
State: FL
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 was going through my credit file & realized that theres a security freeze on my credit file.

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