BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: PA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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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 2015-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I received a copy of my credit report, and found out it reported a public record of a Chapter XXXX bankruptcy case # XXXX reported by Texas Federal Court. I contacted the Texas Federal Court in reference to them reporting a bankruptcy on my credit report, and they informed me that they did not report bankruptcies to credit bureaus. They also informed me that credit bureaus get their information through third party sources such as XXXX XXXX who only does electronic verifications. I asked them to verify if XXXX XXXX filed a bankruptcy, and they informed me that an XXXX XXXX filed a bankruptcy, but they could not verify it because the social security number I provided them did not match. 
Under the FCRA, creditors who furnish information about consumers to consumer reporting agencies must:1. Provide complete and accurate information to the credit reporting agencies ; XXXX. Investigate consumer disputes received from credit reporting agencies ; 3. Correct, delete, or verify information within 30 days of receipt of a dispute ; and,4. Inform consumers about negative information which is in the process of or has already been placed on a consumer 's credit report within one month. 
Based on the Fair Credit Reporting Act, A furnisher of negative information must notify the person that they are reporting negative information on his or her credit report. Second, the furnisher must report accurate and factual information to the credit reporting agency. The Texas Federal Court informed me that they did not report bankruptcies to the credit reporting agencies. They did inform me that a bankruptcy filing was public record, and that a person that certain information such as a social security number is redacted from their files. Therefore, no one can accurately determine if they have the correct person who filed a bankruptcy. 
Desired outcome is for the credit reporting agency to remove the public record they are reporting on my credit report because they do not have accurate information to determine that I filed a Chapter XXXX Bankruptcy with a case number of XXXX. 
It is a violation of the Fair Credit Reporting Act, and under the Fair Credit Reporting Act credit reporting companies have to take MAXIUM steps to ensure their information is ACCURATE. If I ca n't be provided proof by them, they must DELETE what they are reporting from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have contacted Equifax on numerous occasions concerning all the inaccuracies that I 've disputed on my credit file for re-investigation and after several times, finally so I thought everything was deleted for good that did not belong to me. I received a letter in the mail XXXX/XXXX/2015 stating that Equifax has added the Bankruptcy back to my credit file. I did have a fraud alert on my credit file with all XXXX of the credit reporting agencies that lasted 90 days. I am outraged and want something done concerning this issue. I would like to see were my name is on the bankruptcy papers. I am also filling a complaint against Equifax, XXXX XXXX and XXXX for not updating my credit score that I have work so hard to bring up. I sent all XXXX credit bureaus certified mail receipts out on XXXX/XXXX/2015 and still to this day, have not heard any response back from them.The only response I received back was Equifax stating they have added the bankruptcy back to my credit file. They are breaking the law with the Fair Credit Reporting Act ( FCRA ). Not only them errors but because of all XXXX of the credit bureaus did not update my scores, it has caused me denials of applying for credit again.This has really hurt me in more ways then XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
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: Account information incorrect

Complaint:
In XXXX with the fair credit reporting act XXXX XXXX XXXX  deleted my one acct and I am still paying on the acct with account number XXXX. XXXX XXXX with XXXX XXXX and she stated the one account is deleted and paid off. the second acct is with XXXX  and ends with XXXX XXXX and I already made payments for it. But the other XXXX XXXX needs to come off the credit reports all three. 
15 U.S.C 1681 Section 602A states I have the right to privacy, 15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction. I paid off these account even though they are still listed and has a charge off on the four of them, I need all four account deleted immediately. Thanks 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 2017-05-26
Company: Experian Information Solutions Inc.
State: OH
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 sent a letter to  XXXX  requesting to have several credit inquiries removed that were not mine, The credit bureau just sent me a letter stating the definition of what a credit inquiry is.

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 2016-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
XXXX is XXXX same account ( XXXX ) which is listed on my Equifax credit report three times. This fraudulent account belongs to my daughter XXXX XXXX and not me XXXX XXXX and I am asking for this account which is on my credit report 3 times to be removed immediately. I have attached a notarized letter from my daughter informing XXXX as she has before that I have no affiliation with this account. I did not reside at the address on there application nor did I sign. I have also again attached my signature and ask for the immediate removal of the fraudulent debt. This debt has been on my reports since 2007.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed the following accounts with equifax numerous times and despite my efforts they still continue to report. There investigations results are that the accounts have been verified as mine but they have yet to furnish proof of this. They informed me to reach out to the 3rd party collection that was reporting the accounts. I contacted them and the gentleman was extremely aggressive and began to yell at me for questioning the validity of the debts. I am at the end of the line and the negative reports of these accounts which do not belong to me are affecting my ability to obtain employment. I have attached a copy of my Equifax credit report reflecting the accounts. Below I have also listed them : XXXX XXXX XXXX : Account # : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get a job, apply for an auto loan, apply for a credit card, or even get an SBA loan for my business. Under this crisis of Covid 19 you have hurt my ability to obtain credit. On XX/XX/2022 I attempted to submit a dispute for negative items on my credit report. I submitted my documents to identify myself and used certified mail to ensure the arrival of my dispute letters. I submitted a follow up letter on XX/XX/2022 and on XX/XX/2022 to comply with my demands so that they see I reached out to the consumer financial protection bureau and other agencies for their assistance in this issue.

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 2022-03-25
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To whom it may concern, In the month of XX/XX/XXXX, I was XXXX for complications involving XXXX. I subsequently called ALLY Financial Auto in XX/XX/XXXX once I saw that my credit report ( all 3 credit bureaus ) showed a " past due payment. '' My Credit score dropped by XXXX pts. This should not have been the case since I paid more than the {$730.00} due. I was told by Ally Financial that my hardship was acknowledged and I was not delinquent and the credit reports would be corrected. 
In XX/XX/XXXX, I was reported past due once again, causing an additional drop of XXXX pts. Moreover, it appears that the actual monthly amount is not at issue, since I pay {$800.00} ( more than {$730.00} ) every month. The attached exhibit shows that Ally Financial Auto is treating a late {$670.00} late fee as a " past due '' amount every month going forward. The predatory behavior on the part of ALLY caused damage. To wit : 1. It puts my housing at risk, since rent is based on a good credit score. 2. It raises all other credit costs because equitable access to credit is based on a good credit score. The predatory interest rate is racists, as it applies to mostly XXXX and XXXX consumers who, like me, are caught in this cycle.

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 2015-06-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am in possession of a letter from XXXX XXXX XXXX showing that my home loan was paid in full on XXXX/XXXX/2008. This is being reported to the credit bureaus as un-satisfied and it is keeping me from purchasing another home and impacting me negatively. Can you assist me with getting this expunged from ( EFX - XXXX and XXXX ). Thank you in advance for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: EQUIFAX, INC.
State: OH
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 sent a letter to   XXXX   requesting to have several credit inquiries removed that were not mine, The credit bureau just sent me a letter stating the definition of what a credit inquiry is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: IL
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:
ive contacted both comoanys before and have got no results i want inqurirys removed from my credit report i filed report and see no reason these inquirys are not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have a XXXX  XXXX XXXX  credit card. Made a payment in XX/XX/XXXX for XXXX. They never showed this on my report. Filed a dispute with equifax. Never resolved. Paid account in full on XX/XX/2020. Never showed on report. Filed another dispute. Still reporting I am behind on my payments and have not made payments. Just checked on today XX/XX/2020. What can I do to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Venmo has froze my account and now told me they are done doing business with me but holding my funds for 180 days. All the money I have is in that account. They won't tell me whT I've done wrong or allow me to transfer my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: TN
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 sent a letter to transunion requesting to have several credit inquiries removed that were not mine, The credit bureau just sent me a letter stating the definition of what a credit inquiry is.

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 2021-08-04
Company: AMERICAN EXPRESS COMPANY
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft AMEX Account Number : XXXX This is not mine. 

2. Identity Theft AMEX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XXXX XXXX XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am a XXXX XXXX who ordered a verification of mortgage with Freedom Mortgage. I faxed in my request along with the Borrower 's Authorization. When I followed up with Freedom Mortgage the first 2 times, they had verified that they faxed the verification of mortgage to the wrong fax # twice. Finally, on my XXXX call, they faxed the verification of mortgage to my correct fax #, however, they did not include a cover letter or their company name or contact number on the fax. The verification of mortgage showed the Borrower 's name, address, loan #, interest rate, loan amount, etc., but NO mention of the Lender 's name or contact #. I called Freedom Mortgage XXXX more times to explain that the verification of mortgage was NOT acceptable because the fax could come from anyone, anywhere and not necessarily from Freedom Mortgage. Due to fraudulent activities in lending, I asked Freedom Mortgage to resend the verification of mortgage with a fax cover letter so that I can verify that the fax is coming directly from Freedom Mortgage and not somewhere else. Freedom Mortgage assured me that they are only required to show the loan # on the verification of mortgage and their name did not need to be on the form. It was their customary business practice. I insisted that they send a cover letter with the form and they assured me that it would be done by XXXX XXXX, 2016 but I still have not gotten it. I am now on my XXXX phone call with Freedom Mortgage but they can not confirm if they can resend the verification of mortgage with a fax cover letter, their name or contact # on the form. I have escalated my request with a Manager at Freedom Mortgage 3 times and they have not assured me that this will be taken care of correctly. This is not an acceptable lending practice and should be investigated.

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 2015-06-28
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I filed bankrupsy in XXXX of 2014 and it was discharged in XXXX 2014. I got a garnishment that I was not made aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: WELLS FARGO & COMPANY
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:
The file reported is inaccurate and erroneous and is leading to a negative impact on my file. 
3 credit bureaus are required to authenticate this account under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below ; WELLS FARGO CARD SERVICE XXXX Date Opened : XX/XX/22 Balance : {$0.00}. I respectfully request that 3 credit bureaus would take a step to update that wrong information from my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By submitting this complaint, the Credit Bureaus must comply with my request either by proving that the information is accurate or remove the actions of their bureau.

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