BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-30
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2019-11-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently received a copy of my credit report. Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the era is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible will be greatly appreciated. 

My current and only address is listed below XXXX XXXX XXXX XXXX md, XXXX Please remove any other addresses from my report as they do not belong to me and are being reported in error.

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 2021-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
In XX/XX/XXXX, I was eligible for an extension to my unemployment claim due to a new federal law. However, despite repeated efforts to reach CA Employment Development Department ( EDD ), my claim was not extended until XX/XX/XXXX after I contacted my state representative. This delay resulted in months of back-paid benefits being deposited into my Bank of America Pre-Paid Card, which is controlled by EDD. 

Due to Bank of America 's unreasonable restrictions, I have only been able to withdraw {$1000.00} of the funds per day and deposit them into my checking account. I also can not use XXXX or XXXX to transfer the funds, as the card does not work on these platforms, either. 

Therefore, I have been using an ATM to withdraw the funds each day, however my account has been repeatedly flagged for " suspicious '' behavior, preventing me from accessing the funds. Bank of America customer service has been very unhelpful in resolving the issue on more than one occasion, resulting in a significant delay in accessing the funds. 

I believe that the Bank is unreasonably and potentially illegally withholding funds owed to vulnerable Americans in need. There should not be a withdrawal limit on benefits owned by unemployed individuals, and the Bank needs to be responsive to individuals attempting to access their benefits.

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 2022-06-15
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: EQUIFAX, INC.
State: AZ
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 recently received a copy of my Equifax Credit Report. The credit report showed inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquires removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of Credit B. Insurance C. Employment D. Court Order The following credit inquires are related to none of the aforementioned permissible so please take these inquires off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: EQUIFAX, INC.
State: NM
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:
Equifax, XXXX and XXXX XXXX are not responding to my requests to investigate, verify and remove one account from my credit reports that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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: Information belongs to someone else

Complaint:
I am disputing account XXXX due to the following : 1. The same account is currently being also reported by the alleged original creditor- XXXX XXXX and XXXX XXXX XXXX. According to FCRA, it is illegal to report the same account twice 2. The attached statement provided by XXXX XXXX XXXX show an incorrect address : my correct XXXX XXXX showing on my current credit report is XXXX and the statement shows an incorrect XXXX XXXX which doesnt below to me. This is an obvious and serious inaccuracy- please investigate and delete this disputed 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 2022-02-19
Company: Experian Information Solutions Inc.
State: FL
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:
Experian showed my credit score on XX/XX/2022 as being XXXX. On XX/XX/2022 Experian is claiming that I have do not have enough credit generate a score and it deleted my credit card off of my credit report. XXXX and XXXX are showing the correct information, only Experian is inaccurate and it does not provide a method disputing this misinformation. Furthermore, their customer service loops and there is no option to speak with a representative.

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 2017-07-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was behind on my payments. I called them to make a payment to get caught up on XXXXXX2017. After I made the payment with a Wells Fargo representative I was told that the vehicle would n't be repossessed. The weekend following the conversation ; the truck was repossessed on Saturday morning around XXXX. I had to get a rental and missed a few days of work due to a processing error on their part. After contacting Wells Fargo, they returned the vehicle a few days later without any cost to me ; however at that time I was told that they would compensate me for their mistake, which was the cost of a car rental. After several conversations with no resolve, I decided not to make any payment until the unlawful repossession was taken care of, by means of Well 's covering the cost of the rental, which was promised to me. Which on my part was n't the correct way to handle the situation. After several weeks of attempts to have the costs covered ; I attempted to bring the loan current, since withholding payments were not getting the result I had hoped for. When attempting to make a {$4000.00} payment I was informed the loan was going to be charged off for being 120 days past due this was on XXXXXX2017 and I was also informed they no longer would accept any payment to bring the loan balance current. At that time ; with the last payment made with my calculation I was only behind 67 days not 120. Wells Fargo during the call forwarded me to thier national recovery center to discuss my options. I opted to open a case with presidents office of wells fargo which in return should have stop the repossesion as well as the calls from the national recovery center until the case was reviewed ; it did not. I also have been trying to make payments and have been informed " no payments '' to the loan would be accepted. On XXXXX.2017 I once again contacted Wells Fargo to make a payment ; at this time I was informed only a payment of $ 19,000+ would be accepted with a new agreement to then make four subsiquent monthly payments of {$4700.00} to make a total of {$38000.00} in less in 5 months.

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 2022-02-19
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 have XXXX different inquiries i don't use or recogonize. i have my name in a dark web, which they informed me of, but they still won't remove theses inquiries out of my file. THese inclue, XXXX XXXX  XXXX, XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XXXX  XXXX XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XXXX. XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX the fcra says any bon authorized. non-verfied item must be removed. the bureas say some garbage about a permissable purpose, these inquiries have no permissable purpose for me. thank you

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 2020-01-24
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
This letter is regarding the Chapter XXXX Bankruptcy remark filed in XXXX, Ga on my Experian report. The following dates this remark has been disputed in 2019 : XX/XX/XXXX, 2019- Report # : XXXX XX/XX/XXXX, 2019- Report # : XXXX XX/XX/XXXX, 2019- via CFPB, XXXX XX/XX/XXXX, 2019- Report # : XXXX Ive reached out via certified mail, through your dispute portal via web and through the Consumer Financial Protection Bureau . Ive requested several times for information to validate your findings with XXXX. XXXX ignored my requests even with proof attached that their verified consumer report states there is no active nor dismissed case. I have spoken with XXXX via phone as well as paper trail getting the same response from the company. The XXXX XXXX listed informed me that they do not work with credit reporting agencies like Experian therefore they could not confirm nor deny any information. Experian continues to report unverified information about a Chapter XXXX Bankruptcy without proof of your findings. A general statement was responded back to me via CFPB XX/XX/2019, stating the vendor has claimed the information as accurate. Theres no proof Experian verified this information via paper trail besides sending a vague updated resolution letter that states the information is verified. Ive provided documents by XXXX that contradicts your findings. 
This is my final attempt at reaching out via CFPBs website and paper trail before having no other choice but to take legal actions. Under the FCRA, all information being reported must be verified, not falsely reported. Please AGAIN, submit proof of your findings with XXXX via mail and by uploading through CFPB site for my records. If you cant verify the information as accurate as well as provide documentation, please remove the remark from my credit report. 
Attached is the XXXX report showing no reporting Chapter XXXX Bankruptcy Ive submitted to Experian. Ive even attached my XXXX report showing how another reporting agency is correctly reporting the information. 


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 2020-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Filed a dispute with capital one credit card and was not credited back for a item that was purchased and then returned to the merchant. Transaction XXXX to XXXX was returned in there 60 money back satisfaction guaranteed. I was never credited back by the company who mailed the counterfeit product, so I filed a dispute with Capital One credit card. Capital one took the side of the merchant and will not credit this amount back account, even after I have done everything to receive the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: NY
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:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2017-07-20
Company: U.S. BANCORP
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: Problem with personal statement of dispute

Complaint:
In apr of 2017 I made a partial payment of {$300.00} to US Bank and then within and week or two made another partial payment for another {$300.00} to US Bank again. They are reporting that I am 30 days late making a payment when in actuality they do n't report anything to the credit bureaus because I filed bankrupt. I do realize they say the payment should have been made by the end of the month so they do n't report, but they have contradicted themselves now thus making my credit bad. I 'm just asking for a forgiveness letter since I have been a good customer and have not been in troubles with them. One person at US Bank tells me I 'm not late another says I am late. which one is it. I would like the situation rectified so that I can move forward rebuilding my credit. Thank you.

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 2022-07-20
Company: Supreme Lending
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX, GA XXXX XXXX XXXX My interaction with Supreme Lending was to see if I could buy a house for myself and my young family. I talked to " XXXX '' in XX/XX/XXXX. 
" No problem '' he told me. 
NO MENTION OF NEGATIVE CREDIT REPORTING We find a house and here comes a woman named " XXXX '' She says, " I'm Supreme Lending now '' NO MENTION OF NEGATIVE CREDIT REPORTING. 

We never did business and now I have negative marks on my financial reputation. I want these hard inquiries removed. 

All three credit agencies, one hard inquiry in oct. XXXX and XXXX in XX/XX/XXXX. 

These are fraud. It was fraud by inducement occurring when a misrepresentation leads another to enter a transaction with a false impression of the risks, obligations and duties. 

That's what XXXX and XXXX did of Supreme Lending. They committed fraud against me. 

Also, my understanding is that under the fair credit reporting act XXXX " any consumer reporting agency MAY furnish a consumer report under the following circumstances AND NO OTHER 2. ) in accordance with the written instructions of the consumer ( me ) to whom it relates. 

I did not give these people written instructions to do negative credit reporting and injure my financial reputation, why would I do that? 

I came for an extension of my credit, not to be injured by this company and DEFRAUDED.I am requesting that you help me in making my credit report " Fair and equitable '' to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: EQUIFAX, 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:
These companies, I have sent Certified Letter 's on XXXX XXXX, 2017 for Unauthorized credit Inquiry on my Credit Reports, as well as called and disputed these inquiries. I have never authorized such action and this constitutes as a violation of my rights under the Fair Credit Reporting Act 604, as well as a violation of my privacy. Equifax- XXXX Inquires - XXXX/XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX , XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX. XXXX XXXX Inquires - XXXX/XXXX, Equifax XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX , XXXX XXXX. XXXX XXXX Inquires- XXXX XXXX, Equifax XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX 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 2021-03-24
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had paid my debt in full with the National Credit Adjusters collection agency in XXXX of 2020. I have called multiple times and spoke with XXXX to have this debt removed from my credit report because it was paid. It is showing as a collection on my report and has been paid for almost a year and the company is not responding or willing to remove this paid debt off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took out loan XXXX with Citizens One bank for an XXXX in XX/XX/XXXX and it was fully paid off. 

When I tried to take out a loan in XX/XX/XXXX I was told I was delinquent and was denied. 

I made a compliant and new bills started arriving regularly telling me I owed a lot of money. 

I called back. It turns out either XXXX or Citizens One hasnt paid back or been reimbursed {$180.00} from the original loan so it was never closed. It isnt clear if this is *my* {$180.00} or if it comes from the equipment I upgraded or where it belongs. No one knows anything. 

A repeat compliant was opened XX/XX/XXXX and now even more bills are arriving telling me Im in arrears for a fully discharged XX/XX/XXXX loan and I cant get new loans. 

Citizens One said the bills are automatic. They cant be stopped. Someone is looking into it. But nothing is happening and I want my credit repaired and I want my {$180.00} with interest if its mine. I want an apology. 

This morning I spoke to XXXX and asked for a supervisor, I was forwarded to XXXX. It has taken many hours to straighten out and its still not corrected. 

They deserve an investigation.

Company response to consumer: Closed with explanation