BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account info Account name XXXX/COMENITY/VICTORIA Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX- I am looking to get this removed out my credit report, I paid this off and will like for it to be removed so my credit can go up. I am a hard worker, and I am trying to buy a house. Please remove this out my credit report. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. Please provide proof of the account was 30 days late and delete the negative payment status on this account. XXXX  XXXX. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting.

Company response to consumer: In progress
Consumer complaint received 2023-05-16
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
The account in question is American Express Revolving Credit card account. 
It was opened in XXXX by someone using my information. I learned about it in XXXX when I noticed a delinquent account on my credit report. Since then I Have had multiple disputes, multiple snail mail attempts and unsuccessful attempts at having the account confirmed as a fraudulent account as it actually is. I frequently received dispute responses that were inaccurate - such as " We have confirmed this account belongs to you because there were payments made on the credit card from a XXXX XXXX account '' when the XXXX XXXX account also doesn't belong to me, but of course they can not give me the information of that account to be able to move the dispute further. 

Now they have decided to send the account to debt collector and have requested to garnish wages from my employer for what is A FRADUELNT account. I'm in the process of fighting this more but this just seems insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was applying for a XXXX  XXXX  XXXX  XXXX  with Bank of America and was denied twice on XX/XX/XXXX, and XX/XX/XXXX. 

Bank of America made me believe that it was because I have too many credit cards with them, I previously had three ( 3 ), but Now I have one ( 1 ). However, Bank of America is still denying me, I have been with Bank of America approximately XXXX. 

I believe that Bank of America is discriminating me and not been honest upfront about and telling the truth. I contacted XXXX and my credit score is very Excellent and XXXX XXXX and my is Excellent. 

Bank of America is not fair to me, please assist to this matter.

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, ACCOUNT RATING, DISPUTE STATUS, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

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 2023-03-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX XXXX Balance : {$21000.00}

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 2023-11-15
Company: Experian Information Solutions 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:
Credit Reported Agency will not respond to letters disputing incorrect information under FCRA Sec 605, 609, 611, 623.

No response was received after 60+ days after the letter was sent.

Company response to consumer: In progress
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: MO
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 noticed some fraudulent inquiries on my credit report that i did not authorize. Please remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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: Account status incorrect

Complaint:
I've recently received my consumer report from EQUIFAX and noticed that there were unauthorized accounts being furnished.On XX/XX/2022 I wrote a letter which was sent overnight and received XX/XX/2022 tracking number being XXXX ( confirmation attached ) In this letter I've communicated to EQUIFAX letting them know that I was aware of the fraudulent accounts reporting on my consumer report. ( XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX ) I also explained to EQUIFAX that XXXX hadn't given them written or oral consent on my behalf which according to the FCRA are required before any consumer reporting agency furnishes any account.According to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.With EQUIFAX reporting these accounts they are in violation of that subsection as well as 15 usc 1681 ( n ) ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I'm demanding EQUIFAX TO BLOCK AND REMOVE the accounts listed above or I will presume litigation for all damages caused by this consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: LA
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:
I reviewed my credit report and have noticed there are several inaccurate addresses, phone numbers, employers and negative accounts etc that are not and has never been associated with my Name Or Social Security number. My credit report has been violated seriously, These corrections needs to be made immediately. In conclusion to this letter, please note the following consumer laws has been violated.

( 1. ) 15 US Code 1681 Section 602 ( A ) ( 2. ) 15 US Code 1681 Section 602A Section 2 ( 3. ) 15 US Code 1681 C ( A ) ( 5 ) ( 4. ) 15 US Code 1681 S-2 A1.

( 5. ) 15 US Code 1681 I5 Sincerely, XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent my complaints off on XXXX XXXX, 2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 


According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts : # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit TransUnion has my personal information wrong, my name they have missing, I contacted them to fix it but they didnt.

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 2023-04-06
Company: EQUIFAX, 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 status incorrect

Complaint:
Dispute items on my credit report as accurate when in fact is not. According to 15 usc1681b They don't have my written consent to report any item on my credit report to continue to do so is consider identity theft by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been a Wells Fargo customer for more than 35 years. 
Since XX/XX/2021 Wells fargo start refusi ng to follow the laws and regulation concerning my privacy. 
in the last 30+ years Wells Fargo were directing the my mail concerning my account to my po box address as indicated on my account preferences. 
But in the last XXXX  years Wells Fargo has been ignoring my preferences and thjery have been using my street address to mail me. 
Wells fargo is been ignoring my privacy rights and they have been ignoring all my preferences and they have been ignoring my 50+ complaints that I have filed in the last XXXX  years regarding this same issue. 
Wells fargo is been ignoring this issue even in their responses to my complaint at the CONSUMER FINANCIAL PROTECTION BUREAU and at the OFFICE OF COMPTROLLER OF CURRENCY.

They just do not want to hear about it and that for sure is going to cost Wells Fargo some fines for not following the rules and regulations. 
I did files complaints here in the past but that did not stop Wells Fargo from keep Braking my privacy rights and they keep sending me letters to my street address in contrary of what my preferences on my account are. Wells Fargo is still refusing to Use my Mailing address po box .

Today I received a new Letter to my street address from Wells Fargo So here I am filing a new complaint and I am adding this new letter as a new evidence on my new complaint.

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 2023-11-16
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XX/XX/2023 I received an alert that a new credit line had been started in my name, I also received a letter from JP Morgan Chase that I had been denied a new line of credit. I had not initiated any new credit or applied for a new credit card. I made calls to XXXX XXXX Chase & put freezes on all XXXX  of my credit reports as well as fraud alerts. We recently moved & I believe someone at the apartment complex we were at previously used my information to try to get a credit card in my name, as they would have had access to my information & the mailboxes to be able to receive a card had Chase provided a new line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right. 

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 2023-11-15
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: In progress
Consumer complaint received 2023-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
ON XXXX XXXXXX/XX/2023, I made an in person deposit of XXXX CASHIER 'S CHECKS INTO MY XXXX TRUST ACCOUNT ( XXXX ACCOUNT ) WITH BANK OF AMERICA IN XXXX XXXX, NEW YORK. XXXX CHECK WAS XXXX AND THE THE OTHER XXXX. After I left the bank, I checked my account online to see when the funds would be available. It stated that the funds would not be available until XX/XX/2023 AT XXXX XXXX. ( SEE ATTACHED PRINT OUT SHOWING THIS INFORMATION ). I HAVE ALSO ATTACHED IMAGES SHOWING BOTH CHECKS ARE CERTIFIED CHECKS, XXXX FROM XXXX BANK AND THE OHTER FROM XXXX. I CALLED THE LOCAL BRANCH WHERE I MADE THE DEPOSIT AND SPOKE TO A MANAGER, XXXX XXXX, WHO STATED THAT IT IS NORMAL FOR A CERTIFIED CHECK TO BE HELD FOR THAT LONG FOR VERIFICATION PURPOSES. I EXPLAINED THAT WHAT SHE STATED WAS NOT LOGICAL SINCE THE CHECKS WERE CERTIFIED. SHE STATED THAT SHE COULD NOT LOOK UP MY ACCOUNT WHILE TALKING TO ME ON THE PHONE AND TOLD ME THAT I SHOULD CALL CUSTOMER SERVICE. I THEN WENT INTO THE BRANCH AND MET WITH XXXX XXXX IN PERSON. SHE EXPLAINED THAT SHE COULD NOT REMOVE THE HOLD FROM MY ACCOUNT BECAUSE IT WAS PLACED BY " BACK OFFICE '' AND THE BRANCH HAS NO CONTROL OVER THAT. WHEN I QUESTIONED WHY IT WOULD TAKE SO LONG TO VERIFY A CERTIFIED CHECK, SHE PROCEEDED TO OFFER THE SAME GENERIC EXPLANATION THAT CERTIFIED OR NOT, IT IS A PROCESS TO VERIFY AND SHOULD HAD NO ADDITIONAL INFORMATION. SHE CALLED THE " BACK OFFICE '' AND SPOKE TO SOMEONE IN MY PRESENCE BUT IN THE END COULD NOT TELL ME WHY THERE WAS A HOLD ON MY ACCOUNT WITH THIS PARTICULAR CHECK AND IF THE HOLD WOULD BE REMOVED PRIOR TO XX/XX/2023. BOTH SHE AND THE PERSON WITH WHOM SHE SPOKE STATED THAT IT WAS PERFECTLY NORMAL THAT IT WOULD TAKE XXXX  DAYS TO VERIFY A CERTIFIED CHECK. WHEN I STATED THAT WHILE I UNDERSTAND THAT ALL CHECKS MUST BE VERIFIED, IT SHOULD NOT TAKE XXXX DAYS FOR CERTIFIED FUNDS, ESPECIALLY IN A TRUST ACCOUNT, TO BE AVAILABLE, SHE STATED THAT SHE WOULD LOOK INTO IT AND GET BACK TO ME BUT HAD NO OTHER EXPLANATION THAN A GENERIC ONE ABOUT VERIFICATION OF FUNDS AND CONCERN THAT A CERTIFIED CHECK COULD BOUNCE. I THINK BANK OF AMERICA PLACES LENGHTY HOLDS ON CUSTOMER 'S FUNDS TO USE FOR THEIR PURPOSES. THE MONEY BEING HELD BELONGS TO MY CLIENT WHO NEEDS IT FOR OTHER PURPOSES. IT IS ALSO ODD THAT ON XXXX  AFTERNOON DURING BUSINESS HOURS THAT THEY COULD NOT LOOK INTO THIS PARTICULAR CHECK, WHICH IS CERTIFIED AND PROVIDE INFORMATION SPECIFIC TO THIS TRANSACTION. ALL THESE THINGS ARE DONE ELECTRONICALLY.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: OH
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent in a 1099C to the I.R.S. on XX/XX/2023 the debt was canceled and it was remove from my credit report and showing a XXXX balance and I received an email from Experian informing me that balance is now XXXX. A month or so later I notice that the account was back on my credit report with the same balance.

Company response to consumer: In progress
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: OH
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: In progress
Consumer complaint received 2023-11-15
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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: In progress