BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-30
Company: Experian Information Solutions Inc.
State: TX
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:
15 usc 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. Duty of furnishers of information to provide ACCURATE information. It is PROHIBITIOn. Reporting information with actual knowledge of errors. A person SHALL not furnish any information relating to a consumer to AnY consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate. Duty, accurate and prohibition. 15USC 1605 determination of finance charge. According to the IRS any cancel debt must be file form 1099c. The IRS defines cancel debt as a XXXX, XXXX does not reported on consumer report which in fact makes the company of this account inaccurate. Reporting information after notice and confirmation of errors. A person SHALL NOT furnish information relating to a consumer to any consumer reporting agencies. 
The continuing reporting of this information is a clear violation of Law 15 usc 1681s-2 of your responsibilities as a furnisher of information and 15USC 1681q obtaining information under false pretenses. Any person who knowingly and willfully obtains information on a cunsumer reporting agency under false pretenses SHALL be FINED under Title 18imprisoned for not more than 2years or both. Experian even they received my written letter on XX/XX/2022 at XXXX tracking number XXXX explaining everything, they are still made an update today XX/XX/2022 XXXX. You were also put in notice ANY person meaning The consumer reporting a bench, who knowingly willfully reporting inaccurate information is violating the LAW. Failure to respond to this factory with deletion of the all charge offs will result in legal action being taken against the consumer reporting agencies for which I will be seeking {$1000.00} for violations. 15USC 15suits by Person injured. Defamation of character, negligent non compliance, civil liability and mental anguish.

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 2022-06-30
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: Their investigation did not fix an error on your report

Complaint:
This has been like the 5th time I have accounts and other info on my credit report from identity theft. I have submitted a police report to all three credit bureaus, froze my credit, and filed claims with them directly and not only is there still fraudulent Info still on there but someone has been able to get another account on my credit fraudulently even after I put the fraud alert on it. There is now an account from XXXX XXXX Finance that was open in XXXX of XXXX  and incorrect reporting of late payments on the mortgage I had with XXXX XXXX when they were not late but on forbearance. I am tired of these bureaus not doing the proper investigation to remove fraudulent accounts and errors and still allowing it to happen.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: TN
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 respectfully ask that you rectify my credit report by removing the public record currently shown. For your reference, I've attached the required documents. I appreciate your prompt attention 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 2023-10-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I went to use my credit and was told that it showed I owed Child Support Payments. I called XXXX, Experian and XXXX to inform them that there was incorrect information and was told to send in a dispute. I do not know how this happened as I make all my payments and this incorrect reporting is affecting me growing my finances. I am providing proof of my child support payments that are automatically taking out of my paycheck weekly.

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 2022-06-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the courthouse confirming if bankruptcies get reported to the credit bureaus and I got a letter stating They do not report any bankruptcies to the credit bureaus. So if thats the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the:15 USC 1681 .

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, I had an unauthorized transaction posted to my Bank of America account, I immediately called the bank and the merchant- XXXX. The merchant told me that there is nothing they can do, that my account was compromised and advised me to contact my bank, and I did. I called my bank to dispute this transaction as fraud. They temporarily credited my account and began an investigation. I explained to them that I did not make this transaction and that this is not first that I have had a fraudulent transaction with this Merchant since the Merchant already had my credit card information saved under my account and as they advised me my account was compromised. As per the Merchant the purchase was shipped to an address unknown to me, it is not my address and never was my address but it was under my name. Again, I did not make this purchase and I do not know what this address is. My provided me with a recent letter stating that after their investigation they confirmed that the merchandise purchased ( that I was disputing ) was provided to an address listed on my account. This is not true because I was able to get the address where it was shipped to when I contacted XXXX and like I said before, this is not my address and this address is in no way connected to me. Therefore, they put the fraudulent credit back on my account. I called the bank back and provided them with the invoice from the Merchant showing that the address was not my address or any address listed on my bank account, and had them reopen the investigation but the outcome is the same, that they are not crediting this fraudulent transaction. I even contacted the shipping company, XXXX, with the shipping information that the merchant provided me and requested that they hold the package but the package was already on the way to be delivered to the address that was on the purchase, which again is not my address and this was not a purchase that I made or authorized. 

I feel that the Bank did not protect my interests as a customer and I should not be liable for these charges since they are fraudulent. They did not conduct a proper investigation, because if they contacted the merchant they would see that the address was never previously on my account on the merchant 's website nor on my bank 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 2022-07-28
Company: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new savings account on XX/XX/2022 and deposited {$24000.00}. I made another deposit of {$1000.00} on XX/XX/2022. The funds were removed IMMEDIATELY from the account of my transferring bank. 

However, nearly two weeks later I still have no access to my money because Discover claims they have to " verify '' the funds. Both withdrawals have already posted to my account and Discover refuses to release my funds or close the account and give me back my money. XXXX has already removed the money from my account and yet XXXX Discover claims it still needs to be verified. 

I have also incurred several late charges because I made payments to my credit card using this new account and the payments were returned. This has caused irreparable damage to my relationships with my other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the courthouse confirming if bankruptcies get reported to the credit bureaus and I got a letter stating They do not report any bankruptcies to the credit bureaus. So if thats the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the:15 USC 1681 .

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-30
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:
I have been disputing XXXX accounts from XXXX XXXXXXXX XXXX I disputed with the credit bureaus to no avail. My dispute is that first premier manipulated my payments to re-age my account. I requested proof of payment they never responded and the credit bureaus are validating this fraudulent activity. I have been affected by Covid-19 and I am just getting back on my feet. 
They reported a payment of {$0.00} on XX/XX/2019. On both accounts. It is illegal and very unfair. I have attached a picture of the page to experience credit report.

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 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have only 2 open credit card on my account a XXXX XXXX  card and XXXX XXXX  both operating under XXXX XXXX XXXX and XXXX XXXX. 

under XXXX  card/ XXXX they are reporting multiple late payments I asked about htis on numerous phone calls and they told me they can not provide any information over the phone and I should dispute it with the credit bureaus. Why are they doing this I am not homeless with my XXXX kids sleeping in my XXXX because I can not get approved for an apartment because of these reporting incorrectly with no explanation! I called to have the remove from my credit and they keep telling me to dispute it and I am constantly going back and forth and they advise they made notes to their system. 

The second surge card is also reporting a lateness and I contacted XXXXXXXX XXXX they told me that I was never late but yet they are reporting this information This is an unfair practice and these are predatory cards that are {$300.00} credit limits with a XXXX to XXXX $ annual fee. they were the only ones to approve me after i had credit issues and I really appreciate that - but reporting incorrectly is truly disgusting. 

Also in my conversation with the XXXX XXXX I advise please can I pay off the card and have the entire account removed from my credit because I can not have my XXXX children sleeping in my moldy XXXX any longer they keep saying they do not have any information to provide about the lateness reporting. 


I need these incorrect reporting off my credit even if that means me paying these balance sin full and have them removed i will do anything please!

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 2022-07-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX payment history is INCOMPLETE. Payment for XXXXXXXX XXXX, XX/XX/2016, XX/XX/2016, XX/XX/2016 ' is missing. 

XXXX XXXX account is INCOMPLETE ; it is missing the 'Date of Last Activity '. 

XXXX account is INCOMPLETE ; it is missing the 'Date of Last activity '.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2022 I requested a refund from Edfinancial Services on payments I had made during the student loan pause as is permitted by the CARES act. The request was for a total of {$2300.00}. 

3 weeks later I've received no confirmation notice that my request is being processed, and they are unwilling to give any timeline for when to expect the refund other than than the US Department of Education is in charge of " the program ''. People I know who requested refunds through Edfinancial at a later date have already received their refunds, and other financial institutions such as XXXX and XXXX XXXX at least provide time estimates for their borrowers. I can call them for confirmation that my request was submitted, but nothing else. 

The fact that Edfinancial is unwilling to provide an estimate for when to expect the refund to be processed, instead blaming the Department of Education when other borrowers have already had their refunds processed and other financial institutions are providing their borrowers estimates, and the fact that they are unable to provide me a confirmation email or receipt outside of calling them directly for any updates is why I am complaining. All of this on top of the recent data breach they were a part of has me concerned with their handling of this situation in my best interests. 

I understand that there is probably an influx of refund requests with the recent student loan forgiveness program announced by the Biden-Harris administration , but its concerning to me that they are unwilling to provide wait estimates or even a confirmation email when borrowers at other financial institutions are seeing their refunds reflected in their loan balance in 36-72 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
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:
To whom it may concern, Ive been on a credit building journey to improving credit and in the process I hired a so called credit repair company to do so, sad to say nothing has helped me improve and I am now lead em belive that this said company took advantage of me, and ACQUIRED SENSITIVE INFORMATION FROM ME. Im also lead to belive that ppl that were in my household also acquired my personal information and has made fraudulent accounts and purchases in my name, Ive tried reaching out to XXXX XXXX about these inaccuracies and received a response that was not helpful, they claim something about an ip address, I have 3 phones and ppl has had access to my phones and also my wifi at home, Ive completed one successful installment loan with self lender in XXXX never missed a payment, so when I contacted them I noticed a late payment but I was confused as to why because I knew I pod the loan off successfully so, but it seems another credit builder account was opened WITHOUT MY PERMISSION AND CONSENT!! Not only that but also some how a CREDIT CARD WHICH O MEVWR HAD OR HAD KNOWLEDGE OF WAS HOOKED UP TO MY BANK ACCOUNT SOMEHOW AND PURCHASES WAS MADE THAT ARE FRAUDULENT AND NOT AUTHORIZED BY ME, why would I just not pay a card, I have multiple other credit cards in good standing, Im being taken advantage of by XXXX XXXX  and whomever has accessed my information, multiple accounts have been hacked leading me to put a fraud alert on my credit profile. Id like these fraudulent 2 accounts that ARE STILL REPORTING REMOVED FEOM MY CREDIT PROFILE, I am a VICTIM IN THis SITUATION, I BARELY CAN READ AND WRITE AND COMPRHEND ALOT OF THINGS WOTHOIT IT BEING PROPERLY EXPLAINED the whole credit thing is confusing at best, I just last month learned how to see my credit profile with help from my mother, The FRAUDULENT accounts are : XXXX. XXXX XXXX XXXX XXXX date opened XXXX, XXXX, XXXX XXXX. A credit builder account XXXX XXXX  XXXX XXXX XX/XX/XXXX These 2 accounts I never had any knowledge of and they took Money out of my bank account that I WAS NOT AWARE OF!!! I need justice!!! 


The only account that should be reporting from self was A credit builder account opened on XX/XX/XXXX and I completed 12 months of payment on TIME NO PROBLEMS PLEASE CAN SOMEONE HELP ME WITH THIS COMPANY THAT IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE

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 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 Acc Name : XXXX Acc Number : 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: LA
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:
Paid off all balances with XXXXXXXX XXXXt. They continued to try and charge even after I received my final bill. I submitted a complaint with the Cfpb about the company but cfpb is unable to reach them.

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 2022-06-30
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
We have contacted Navy Federal for the past 2 months to revoke authorization on an automated transfer for a used car loan. Navy Federal is financing our used car loan. The automatic transfer occurs biweekly. We no longer have the vehicle as it was in a car accident. Every time we call to cancel/revoke authorization we are told already canceled or no we cant or they flat out refuse to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation