BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I sent you a Letter 2 months back because you are reporting some late payments that is NOT accurate and I asked you to update these payments to ON TIME PAID AS AGREED. You seem not to understand how serious this is because you have not fixed the issue for me. Please look at this letter as it is my SECOND time notifying you of some items that are incorrect. These are not accurate on my credit reports I have listed the account name and account number below along with the dates you are reporting late and those dates need to be paid to PAID AS AGREED. 

1st account : XXXX XXXX reported late XXXX ( Please note that the date of this late payment also has inaccurate dates. my Experian says it was a late payment in the month of XX/XX/2023 & my XXXX says it was reported late in the month of XX/XX/2023? 

2nd account : XXXX XXXX XXXX- REPORTED LATE 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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2022-08-22
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C1681 section 602 A. States I have the right to privacy.

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 2022-08-22
Company: EQUIFAX, INC.
State: OH
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 Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX XXXX  XXXX # XXXX, has violated my rights XXXX XXXX  XXXX XXXX, has violated my rights XXXX  XXXX XXXX XXXX, has violated my rights XXXX  XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX, has violated my rights XXXX XXXX XXXX  XXXX, has violated my rights XXXX 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 2023-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 fraudulent inquiries on my credit report from the following companies XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX and Capital one on XX/XX/XXXX. I have tried multiple times to contact these creditors and XXXX regarding these fraudulent inquiries that have been made using my personal information. I would like for these fraudulent inquiries to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXX XXXX, Equifax and XXXX To whom it may concern, I am writing to update/correct my personal information on file with the three credit reporting agencies. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Please update my name to : XXXX XXXX XXXX My only and correct birthday is XX/XX/XXXX My only social security number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Yesterday ( XX/XX/XXXX ) I received a Mortgage Statement from Bank of America. The mortgage payment is due XX/XX/XXXX. 

The mortgage statement contains a line that shows I have paid {$9200.00} in XXXX Property Tax Payments ( this is the only purpose for the Escrow account ). My total property tax bill for the year is {$9800.00}. Based on this, the Escrow account due should be {$650.00} for XXXX which would cover XXXX property tax liability in full. Bank of America is billing me {$1100.00} and shows an escrow balance of {$4300.00}. THIS IS NOT ACCURATE. 

My husband ( authorized to speak and transact on this account ) called Bank of America and spoke - after being told " the call may be recorded '' - with a XXXX Florida Supervisor by the name of XXXX XXXX. 

It was explained to the Supervisor that Bank of America is knowingly over billing us for the Escrow account. We explained to the supervisor that all property taxes have been paid on this account. There was no arrearage substantiating the amount on the bill. The supervisor recommended that we contact the previous servicer on this account ( note - this account was with Bank of America originally ; then transferred to another services ; then transferred back to Bank of America ). 

Bank of America is responsible for accurate record keeping when they assumed this account. The Escrow account used to pay Property Taxes has been part of the mortgage payment from the beginning. The account has and continues to be current. The supervisor stated that Bank of America is not in the practice of checking records to ensure accuracy for the consumer when mortgage accounts are transferred to them. Thus, she directs us to reach out to an entity that is no longer responsible for this loan. 

This is not an appropriate response for such a large and well known banking institution. 

We believe Bank of America continues to violate federal law by its conduct on this loan.

Company response to consumer: In progress
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: KY
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:
REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY

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 2022-06-29
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: Their investigation did not fix an error on your report

Complaint:
In regards to the XXXX XXXX  account on my credit report- i asked all three bureaus to investigate for accuracy of the account and noted that I was being cited for a 60 day late payment without ever being 30 days late. The investigation failed to fix this BIG error which means all three bureaus failed to properly investigate. 

As a result I can either get my lawyer involved or to avoid all that DELETE 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 2022-06-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In regards to the XXXX XXXX  account on my credit report- i asked all three bureaus to investigate for accuracy of the account and noted that I was being cited for a 60 day late payment without ever being 30 days late. The investigation failed to fix this BIG error which means all three bureaus failed to properly investigate. 

As a result I can either get my lawyer involved or to avoid all that DELETE THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Avant Holding Company, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
My final payment that showed on Avant dashboard when logging in showed automatically withdrawn on XX/XX/2022 in the amount of {$440.00} as per every month was automatically withdrawn. It showed no additional interest or any other amounts incurred. So I reached out after I noticed on my consumers report showing a balance which I kept disputing with the credit agencies. Later I contacted Avant concerning the charges and they stated that it was interest when I made changes throughout the loan, which is untrue when I made changes they applied the interest and other charges incurred per month when they authorized the changes. I spoke with XXXX and also spoke with another representative XXXX, which I got no information on how or why this unscrupulous amount came to exist. I agreed to pay whatever interests that was showing on the date of XX/XX/2022, in which none was provided. Nothing was resolved and now the amount has increased. the interested and fees incurred while paying the loan was showing throughout, but now they're claiming that it shows after all my ACH transaction have been deducted from my account. If there was still a balance why didn't they keep deducting from my account is was on auto withdrawal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been out of the country for personal reasons for a few months and I wasn't able to manage my banking account. I didn't realize that a claim I filed was refused due to the rep at the bank filing the claim wrong. So the credit from the bank was taken away sending my account into a negative balance. When I returned home to XXXX  last week I got an insurance check for my phone being stolen and I deposited it into my savings account. I have my overdraft protection turned off. So when I went to withdraw funds money was missing. The check was for {$1000.00} and there was only {$490.00} in my account. I called and I was told that due to my account being a few days from charge off, it was an automated system that transfered the funds to protected the banks interest. I've worked for a bank before and I completely understand what happen. I did let them know I had funds set to hit the account the day before closing and due to the nature of my emergency I was due back out of the country in less then XXXX hours and needed the funds. I asked for the funds to be returned and for them to allow the pending deposit to fix the error and they completely refused.

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 2022-09-22
Company: EQUIFAX, INC.
State: TN
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:
My personal information has been exposed by mutable Companies starting in XXXX by Equifax. In XXXX I received a letter from the IRS that someone was using my identity to file their taxes. In XXXX I was notified by a XXXX insurance billing company called XXXX that has sold my information to the Dark Web. In XXXX XXXX XXXX notified Me that my identity was exposed in a data breach. In XXXX XXXX XXXX  XXXX XXXX notified Me that my identity was exposed in their data breach. In XXXX a company XXXX XXXX services notified Me that it's computer servers were hacked and that my identity was involved. I have tried to get the credit bureaus to take this matter serious because it has ruined my name and my Credit. Prior to XXXX my credit was very good. Anyone can see the trend on my report. I have had problems with the credit bureaus with the correct spelling of my name. I have had trouble with them reporting inaccurate addresses. Even my work history was not correct. I have worked most of my life in high Management. Not as a Babysitter. I have only Two different addresses in 25 years. I opened my bank account in XXXX. I am a very stable person with a very good monthly income. My credit has been checked so many times I have lost count. I have been trying to purchase my Veterans Administration Guaranteed Home Loan but the wrong information is being reported on me. At one time You didn't know what my 3 credit cards were. My loan you report but you don't know what it is. I am requesting my credit report to be corrected. Over Two I have reported this to You and You do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: I.P.M. Group LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a call today XX/XX/2022 at my place of employment from an IPM debt collector representative regarding a pay day loan. I never gave consent for this employer to contact me at my current place of work. The original loan was taken out when I worked for another company. I let the debt collector XXXX know that I would not be interested in communicating regarding the debt especially since they contacted me at my place of employment. She then threatened to notify my employer of the outstanding debt. The debt collector also notified my coworker who originally answered the phone that it was an attempt to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
on XX/XX/2023 at around XXXX XXXX ( MST ) I tried to active my credit card with US Bank and upon calling the contact us list on the activation website, Commercial Clients XXXXXXXX ( Toll Free ) I was met with a promotional offer about medical equipment not anything about credit cards. I tried to deny the medical offer but then I was transferred to a live agent ( Female ) trying to still offer me this promotional offer for medical equipment. I stated that I was there to active a credit card and asked if they were with US Bank to confirm. The agent disregarded what I said and said that we should explore the offer and see if it is right for me. I informed the agent that this is a Unfair, Deceptive, or Abusive Acts or Practices and that I am only here to active a credit card. The agent then plays some recording about the medical promotion offer and I hang up.

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 2021-08-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have paid a balance that was owing outstanding to XXXX  ( XXXX XXXX XXXX XXXX XXXX ) and the balance is now XXXX  and have been but I still have not seen an update on my credit report. This is adversely effecting me and I even received a letter from a collection agency on a debt that is no longer owed. I hope that someone can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have paid a balance that was owing outstanding to XXXX  ( XXXX XXXX XXXX XXXX XXXX ) and the balance is now XXXX  and have been but I still have not seen an update on my credit report. This is adversely effecting me and I even received a letter from a collection agency on a debt that is no longer owed. I hope that someone can help me.

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 2023-11-18
Company: Experian Information Solutions Inc.
State: DE
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:
To whom it may concern, My issue is that there are a lot of inquiries that are on my credit report in which I did not request credit from the creditors.. I am asking that these inquiries be removed from my credit report because they were ran in error or they belong to someone else or they were ran fraudulently Thank you I am also sending an attachment of my FTC report with the same complaint as well XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: MD
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 frustration and disappointment regarding the ongoing issues surrounding the correction of a late open account on my credit report. Despite multiple attempts to rectify this matter, the late open account continues to adversely affect my credit profile. 

I have diligently followed the dispute resolution process outlined by the Fair Credit Reporting Act ( FCRA ), submitting detailed disputes and providing supporting documentation to substantiate the inaccuracies in my credit report. 

Despite these efforts, the late open account remains unresolved, impacting my creditworthiness and causing undue stress. I have attached copies of the supporting documents that clearly demonstrate the errors in my credit report and validate my dispute claims. 

I kindly request an immediate and thorough investigation into this matter, with a focus on correcting the inaccuracies associated with the late open account. Additionally, I expect a written response detailing the results of your investigation within the statutory timeframe as outlined in the FCRA. 

It is disheartening that my attempts to address this issue have not resulted in a resolution. As a consumer, I am entitled to accurate and fair reporting under the FCRA, and the persistence of this error is a clear violation of my rights. 

I request your prompt attention to this matter and a commitment to resolving the inaccuracies in my credit report. If necessary, I am prepared to explore all available legal remedies to ensure the correction of this issue and seek compensation for any damages incurred as a result of these inaccuracies. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX Balance Owed : {$750.00}.

Company response to consumer: In progress
Consumer complaint received 2023-12-04
Company: Innovative Funding Services, L.L.C.
State: NE
Product: Credit reporting 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 received a notice of adverse action on a loan I did not request. I inquired online via XXXX XXXX to explore interest rates but I never intended to request/apply for a loan. I want that credit inquiry and resulting notice of adverse action expunged from any files that have been created and held by Tesl. Also, if the action was reported to any third party ( e.g., XXXX ) I request that the report be rescinded and the record annotated to reflect that I did not apply for a loan from Tesl. Please note that I have contacted Tesl, the credit bureaus, and the FRC consumer support for assistance in these regards. Please note that I had no intention of applying for a loan from Tesl during my online inquiry of current interest rates. To be clear and for the record, I just want the notice to be rescinded immediately. I am not interested in, and have not applied for, a loan from Tesl. XXXX XXXX XXXX XXXX The company is : Tresl ( Innovative Funding Services ) XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation