BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM NOT AN AUTHORIZED USER ON THIS ACCOUNT AND THIS IS BEING REPORTED ON MY CREDIT, IT NEEDS TO BE REMOVED, THEY ARE RUINING MY CREDIT OVER SOMEONE ELSES CARD XXXX XXXX XXXX Account number XXXX Amount past due {$480.00} Status Late 120 Days Type Miscellaneous Banks Creditor Address XXXX XXXX XXXX XXXX, XXXX XXXX, SD, 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 2022-08-02
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX, Account # XXXX was deleted from their records and send a AUD correction to Equifax to remove the account effective XX/XX/2022. Equifax SC # : XXXX. AUD Control # XXXX They are refusing to remove an invalidated and deleted collection account from my credit report. 

The company, '' XXXX XXXX XXXX '' no longer has authority to collect on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2022 I received an email stating my account was below {$100.00} which is was very unusual. I called BOA to see why this happened and was told the state of Illinois Sanitary Department and forwarded me to claims because I was extremely confused. The gentleman from claims told me he had no idea what was going on so he put me on hold and another rep came on the phone. The new rep told me to contact the number because they have no idea and to open a new account but the conversation was cut short due to be disconnected. I called back and a new rep informed me that my account was frozen for {$4500.00} from the state which was even more concerning. She also told me that fraud wasn't suppose to make my account credit only. This was done without informing me or with permission to protect my account. I was told to contact legal in the morning because it was now after XXXX. I received an email XX/XX/XXXX stating my email and phone number have been removed from XXXX because my account is closed. I call Bank of America to speak with a manager but was informed by XXXX that mangers are only in the branch. I have been a customer for over a decade and never have heard of such a lie. I had to call back to get another rep who told me that my account wasn't closed but put on credit only to protect me. XXXX a supervisor in check fraud & specializing from Oklahoma got on the phone but unfortunately had not one clue on anything. She kept telling me the hold was for XXXX but they only had {$600.00}. I asked her to do the math with me and she attempted to claim it was due to other purchases and that Bank of America will not allow me to speak to legal or give me anymore information on my account. I have proof of the amount that was taken out that brought my account to zero but she kept saying they now didn't know the amount until finally she stated I don't know. She also informed me they have a right to close my account because its the banks. Her math wasn't correct because it was opposite of with the account documentation attached and she refused to give me the proper department to speak with. She told me I have to hire an attorney to find things out. I've been given contradicting information from every rep at Bank of America, I need the correct information. I have asked several time times why they are altering my account and was told for my protection now its because they can. Emails state the account is closed which it should not be but the reps are saying its not. I was also refused the proper department contact information for myself or an attorney to reach.

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 2022-09-29
Company: EQUIFAX, INC.
State: IA
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 the 13th time reporting the same XXXX account with inaccurate information. 

The date of delinquency was early XXXX, making the account over 7 years delinquent and, by law, needs to be deleted from my report. 

XXXX has ruled in my favor that XXXX was reporting inaccurate information and removed the account from my report. 

Equifax and XXXX have refused to do anything about it. There are so many differences between what Equifax and XXXX are reporting. 

According to Equifax, XXXX and XXXX, they are 100 % reporting everything correctly even after providing proof for years that they are not. 

Payment history is different on at least 14 months. 
The date of the last payment is different. 
The date account was closed is different. 

Please delete the account from my credit report immediately!! 

See attached files. 


XX/XX/XXXX Equifax 90 days late XXXX 120 days late XX/XX/XXXX Equifax 120 days late XXXX 90 days late XX/XX/XXXX Equifax 120 days late XXXX 90 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax 60 days late XXXX 30 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax 60 days late XXXX 90 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax on XXXX XXXX 30 days late XX/XX/XXXX Equifax on XXXX XXXX 30 days late XX/XX/XXXX Equifax on XXXX XXXX 30 days late XX/XX/XXXX Equifax 60 days late XXXX 120 days late XX/XX/XXXX Equifax on XXXX XXXX 30 days late Date of last payment. 
Equifax XX/XX/XXXX XXXX XXXX XXXX Date Account closed. 
Equifax XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
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:
i dont recall appying fot credit on XX/XX/1922 with XXXX  so please remove them from credit report thanks

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 2022-09-29
Company: Credit Karma, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Im gon na say around XXXX to XXXX I saw a lot of pre-approvals on credit karma at first I didnt pay it no attention but credit karma kept sending me all sorts of different preapprovals telling me that I was pre-approved for credit cards, personal loans, personal loans and that I can refinance my car. Every day I would see these offers every time I log in to check my credit scores, so after a few months of being told that I was preapproved. I thought I was now in the perfect place to apply. I got so many offers through credit karma, I started telling my whole family about vacations and investments. We were going to use these pre-approvals for. So I applied on or around sometime in XXXX and I got denied for XXXX credit cards credit cards and a personal loan I was distraught I was XXXX very angry and I felt deceived. I was marketed to for months, so credit karma told me that I was preapproved, this was a lie. I was severely stressed out, i was in the XXXX. I was nauseous for weeks, I had XXXX so bad I became XXXX and XXXX  skyrocket. Now every time I see preapprovals I immediately close my phone and close my computer. I stop checking my credit as frequently as I should

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-04-25
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:
This is the second time that i am filing a complaint about the inaccuracies that continuously keep reporting on my credit report. I still havent been sent any proof that these accounts belong to me yet they remain on my credit report. I filed a complaint before and there still hasnt been any response to my original complaint. These negative accounts are continuing to affect my credit report, and none of these credit bureaus can verify the accuracy of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: STANDARD MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Our mortgage provided through XXXX, XXXX XXXX switched lenders from XXXX XXXX XXXX to Standard mortgage corporation ( around XX/XX/22 ). Upon transferring standard mortgage corporation has not been reporting our mortgage details to the credit reporting bureaus. We've called several times ( XX/XX/22, XX/XX/22 ) inquiring and they mentioned it's standard for transferring lenders, and it should be reported in 60 days. 60 days has since elapsed and our mortgage is still not being reported.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: ENOVA INTERNATIONAL, INC.
State: OH
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:
XX/XX/XXXX I noticed a new credit inquiry on my credit report. I promptly contacted NetCredit, the lender on my report, about the inquiry and stated that it was not me and that I have been victim to identity theft. NetCredit then gave me some instructions to follow up with. They asked that I provide a letter stating that I did not apply for loan and a police report of the situation within 7 days of the notification. I provided that information 3-4 days later. Since that XX/XX/XXXX date I have emailed numerous times about the status of my claim and have received nothing of any value. Generally, I will receive an email along the lines of " Fraud Dept is investigating '' with no additional information. I have tried calling customer support and have been disconnected and other times not able to reach anyone. It is nearing a month since I initially informed NetCredit of the fraud and I have not received any meaningful information regarding the status of that claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Advanced Resolution Services Inc.
State: CO
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:
On XX/XX/XXXX I received a letter from Advanced Resolution Services , Inc. ( ARS ), XXXX XXXX XXXX, XXXX, AZ XXXX. They informed that between XX/XX/XXXX and XX/XX/XXXX, the following information was added to my ARS consumer report : At least XXXX occurrence ( XXXX ) of unauthorized card use If I would like a copy of the ARS consumer report I must send a written request that included a copy of the letter and : Full Name Social Security Number Proof of Identity ( my case a copy of my Driver License ) Address Phone Number They attached a form for all this information to be added. 

I called on XX/XX/XXXX and was told they have to have all this information with my signature in order to give me a copy of this report. 

Who in their right mind would provide all of this information to any company asking for this and to be sent via mail? 

I have not had ANY occurrences of unauthorized card use nor have I reported such. 

I understand this is a legit company but their website is very vague and to ask for such sensitive information to be sent via mail in order to obtain the information that they are accusing me of is not right and to publish this incorrect information on my credit report is WRONG with the only option of not having it published on my XXXX  is to provide this info. Since they sent me a letter letting me know they are going to have this placed on my XXXX  report, don't they already have my XXXX number?? This is information that should be readily available to me with all of the identity theft going on. Very scammy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I request for an investigation to be made to remove the following late payments from my credit report : XX/XX/XXXX XX/XX/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 2022-08-02
Company: Experian Information Solutions Inc.
State: DC
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 the following accounts : XXXX - Account # XXXX, XXXX XXXX XXXX XXXX - Account # XXXX and Department of Education 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. 

Thank you for your time and attention in dealing with 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 2022-09-29
Company: EQUIFAX, INC.
State: OR
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: Problem getting your free annual credit report

Complaint:
XX/XX/XXXX Equifax said they could not complete my online application. I was told a " verification code '' would be mailed to me in 3 days. It is XX/XX/XXXX and I have not received it so I phoned, and the automated system was terrible, would not allow access to a live person to speak with. Instead a long list of dates and supposed credit card names and businesses were read nonstop and made no sense because not a single one of them was true. I have had my current credit card with for 26 years and have had no other one ( I had a couple in the XXXX that I cancelled ). It sounded like someone else 's information as though they had made a mistake and were not using my information. I got very upset by their system. 

For the first time I have requested from Annual Credit Report.com my 3 free reports and both XXXX XXXX and XXXX turned out fine. So Equifax is making me worry and I am XXXX  and have no one to help me. I have frozen those two reports because I received a letter of a data breach from my bank, and a fraud sounding letter that I did not reply to since it sounded absurd. I need to get the Equifax problem resolved and it is up to them to communicate with me. I have not been able to complete my request with them, online or by phone and with no one to talk to from their business, It is all automated unfortunately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : [ need inquiry removed ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 2022-10-23
Company: General Motors Financial Company, 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:
A company by the name of GM Financial has allowed someone to use my personal information to open a auto loan close to the amount of {$49000.00}. I didnt give anyone permission to use my personal information. This is fraudulent. I was never contacted by GM financial before opening a loan in my name and I have a credit alert on my credit reports to be contacted before opening anything in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I called Wells Fargo today ( XX/XX/22 ) regarding my personal loan. The agent said Wells Fargo canceled my AutoPay and should have sent me a form to resubmit my ACH AutoPay from my checking account. I never canceled AutoPay. I do not authorize Well Fargo to cancel my AutoPay. I then asked to speak with a manager. I then spoke to XXXX in Virginia. She indicated she is the only XXXX in XXXX. While informing her I did not authorize anyone to cancel my AutoPay ( Bill Pay ), she interrupted me and said I was yelling. I have a right to express my anger and disappointment with Wells Fargo. I never requested cancelation of my AutoPay. Moreover, I was never informed AutoPay was canceled. As a result, I could have had a 30-day late payment on my credit report for 7-years due to no fault of my own. This would cause me signification financial injury. I did my due diligence to set up AutoPay correctly. If WF did cancel my AutoPay without my knowledge or consent, then this is a violation of the Unfair, deceptive, or abusive acts and practices ( UDAAPs ) and other consumer laws.

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