BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XX/XX/2022 disputed XXXX XXXX  bankruptcy with Experian. The date account came back verified was XX/XX/2022. I have been going back and forth with company and also provided proof from XXXX the bankruptcy was unverifiable and removed. This has caused me a lot of XXXX and XXXX 

XX/XX/2022 XXXX Spoke with XXXX XXXX that Experian does verify with XXXX reporting the bankruptcy. The rep then says that they verify with the bankruptcy courts. After I told her that was incorrect she then says she was mistaken. Rep transferred me to supervisor. I told Supervisor XXXX stated they do not verify through XXXX and it is through another third party vendor. I asked her repeatedly who is the third party vendor they Experian uses and she would not tell me and then she says she can not see who it is verified through. Stated she will dispute the request and kept saying she understands. I told her to stop saying she understands because she does not and not in my position. The supervisor hung up on me when I kept telling her to stop telling me she understands and I told her I am not a child. 

Called back in and spoke to XXXX and she confirmed with me the XXXX is the third party that Experian verifies bankruptcy through. She also stated she located the letter I sent them that I received from XXXX and would submit it for dispute. She advised me that my last dispute that was in process did not have the letter from XXXX that I sent them. Rep was not able to attached the letter to my dispute so she stated she had to get me over to another rep who could. 

Spoke with XXXX and she stated that Experian does verify with XXXX and that XXXX is verifying account is valid. Rep stated she is submitting attachment to be disputed again. I asked rep if the supervisor put in notes that she was going to have Experian send me documentation of how account was verified, who it was verified through and who they spoke with and rep advised me supervisor did not. 


Doc # 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 2022-07-02
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:
I disputed hard inquiries on my report that were made fraudulently without my knowledge with the Credit Bureaus by phone and mail. I filed a fraud report with the FTC about the situation before calling and disputing these inquiries. I called and was assured that the inquiries will be removed and some were, however somehow one of the inquiries deleted manage to reappear out of thin air. 

I am displeased and frustrated with this matter because I followed the steps of disputing with these bureaus with proof and facts but to no avail. Not to mention that I am a victim of fraud. 

According to the FCRA, the reporting agencies have violated my rights after dispute under section : 15 U.S.C 1681 s-2 ( b ) ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

I have attached documentation of my FTC report and dispute letter. 

I feel that my rights under the congress act have been violated and I ask that this matter be looked into respectfully.

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 2023-12-02
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
IN XXXX PAYPAL LIMITED MY ACCOUNT PERMANENTLY AFTER I HAD RECEIVED XXXX XXXX TO MY XXXX! in an email they assured me that I will get me funds in 120 days. time has passed and I am unable to add any bank account to withdraw my funds! they are complete scammer!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: LA
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 reached out to XXXX XXXX and I asked for a full review of the file are a copy of the information that's being reported on my credit report and I did not get a response I also shared with them I am a victim of identity theft since XXXX.My family & I experience a disaster Hurricane XXXX XXXX XXXX was the worst day of my life losing everything I owed even my identity. I sent in a copy of my police report to XXXX Equifax XXXX XXXX years ago to let them know my identity was stolen. This year I had to file another fraud claim of identity theft because of someone used my information. please remove this negative account off of my credit report. This is the second police report I had to file I am attaching a copy below thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: DriveTime
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I have been desperately looking for a new car. According to drive time, you input in your information to get personalized terms and vehicles to choose from that fit your credit. My credit is around a XXXX and my monthly income is about XXXX. However the vehicles that I qualified for online are not the vehicles that were offered in store. I asked the representative why that was, and he informed me that the website automatically shows terms for a monthly income of XXXX. So i put in my information, thinking I'm looking at cars i qualify for and according to the in store rep, I really wasn't. It's extremely misleading when everything is advertised as you get a car buying experience that is personalized to you. Going into the dealership today was so upsetting and sad. They had only one car I qualified for based on my income and credit.

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 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed hard inquiries on my report that were made fraudulently without my knowledge with the Credit Bureaus by phone and mail. I filed a fraud report with the FTC about the situation before calling and disputing these inquiries. I called and was assured that the inquiries will be removed and some were, however somehow one of the inquiries deleted manage to reappear out of thin air. 

I am displeased and frustrated with this matter because I followed the steps of disputing with these bureaus with proof and facts but to no avail. Not to mention that I am a victim of fraud. 

According to the FCRA, the reporting agencies have violated my rights after dispute under section : 15 U.S.C 1681 s-2 ( b ) ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

I have attached documentation of my FTC report and dispute letter. 

I feel that my rights under the congress act have been violated and I ask that this matter be looked into respectfully.

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 2022-07-02
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:
In accordance with the Fair Credit Reporting act XXXX Texas Office of Attorney General Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: CA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of Equifax to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-09-22
Company: CURO Intermediate Holdings
State: SC
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 AD ASTRA RECOVERY SERVICE account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions. 

The information reported is incorrect. 
On the XXXX report it states Balance updated XXXX XXXX On the XXXX report it states Balance updated NO DATE On the XXXX report it states Balance updated XX/XX/XXXX On the XXXX report it states Status update XX/XX/XXXX On the XXXX report it states Status update XX/XX/XXXX On the XXXX report it states Status update XX/XX/XXXX On the XXXX report it states Account Type Collection On the XXXX report it states Account Type Collection Account On the XXXX report it states Account Type Open account This is information in incorrect and inconsistent. 
I have tried to file a dispute. 
XXXX stated : AD ASTRA RECOVERY SERVICES Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
In my previous complaint, I stated that Experian did not reinvestigate my dispute for XXXX XXXX XXXX account number XXXX. I dispute the 7 year statute. Instead they updated the account to show a recent {$90.00} payment and they changed the date to reflect a new date that the account will fall off. The new date shows a date that will fall off sooner than the original date. This date is also an incorrect date. They claim to have forwarded me a copy of this dispute, however, they did not. The original alleged data furnisher has not sent me anything either. This report is charged off/ collection and is showing an open status with a past due balance. They can not do this. I ask that this account be removed immediately or I will continue to file disputes and complaints until they comply. Experian does not reinvestigate properly and they do not furnish the requested information when asked what they use to determine the " validity '' of what the furnisher provides. This is why they continue to have have thousands of lawsuits against them. Most creditors do not even use Experian anymore because they are not accurate. I have not made any recent payments to this account, especially not a {$90.00} payment. I will not be making any payments towards this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: MA
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, XXXX XXXX XXXX XXXX Account # 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 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 non-monetary relief
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In late XXXX, I noticed my XXXX credit reports show 2 Wells Fargo credit accounts while I was only having 1 credit card ( XXXX  ). I checked accounts details, one of them was showing payments from XXXX, and the other one was showing payments from XXXX. As my XXXX  card had an fraud issue back in XXXX, and I asked for the replacement card at that time, I noticed the credit card company created another account for me, which is absolutely not correct, thus, I dispute the old account in my file. However, in early XXXX, I noticed Wells Fargo closed my current XXXX  card account ( ending in XXXX ) as I couldn't see any transaction for this current card, and I only can see my old credit card statement ( ending in XXXX ) back in XXXX. Clearly Wells Fargo closed my current account ( XXXX ) and left old card ( XXXX ) there, while my request was to remove the old account from my credit report because eventually I should only have ONE SINGLE account from Wells Fargo. I made a few calls to Wells Fargo, everyone felt it was weird, but no one could give me a solution. I got 2 calls from the investigation team earlier XXXX, but I haven't hear anything back yet.

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 2023-12-01
Company: EQUIFAX, INC.
State: FL
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 just disputed this this and they made it worse. They made a old account new again and they lied on my credit report. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
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:
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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00}

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 2023-09-15
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony closed my account for unusual payments. I made two payments of the same amount. Then they closed my account and will not restore it.

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 2019-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
XX/XX/2019 amount owed {$1900.00} XX/XX/2019 amount increased {$2300.00}

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: CARD Corporation
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My name is XXXX XXXX my When the pandemic 1st started I applied for XXXX I was approved I signed up for a prepaid card to get direct deposit from the card.com company On XX/XX/XXXX {$12000.00} was loaded on card ending in XXXX I had 2 cards with them The other ending in XXXX I had XXXX XXXX deposited on it as well In order to even be approved for this prepaid card you have to 1st in advance Fully verified which I did I purchased a few things I guess my account got red flagged when I made a purchase out of town and I did not see the notification until they had already closed my account they are not following any of their policy and procedures I've read them over and over I have gone back-and-forth with them they will not give me the remainder of my money I have done everything I know possibly to do how can they just keep my money their policy States that infinite account for any reason is closed and there's more than one cents on it they will send A check to the address on file they will not give me my money and I want it back. Please take note the billing address It's not my current Residents anymore the one I provided here is the current my number has also changed thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation