BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Fair Credit Reporting Act 15 U.S.C 1681 Section 616 ( A ) ( 1 ) ( A ) Civil Liability for willful noncompliance {$1000.00} per violation Section 623 ( A ) ( 1 ) ( A ) Reporting information with actual knowledge of errors Section 623 ( B ) ( 1 ) Reporting information after notice and confirmation of errors Section 611 ( 2 ) ( A ) Procedure in case of disputed accuracy Section 611 ( 5 ) ( A ) Treatment of inaccurate or unverifiable information AFTER mutiple disputes with Experian asking for debt validation for account # XXXX XXXX XXXX XXXX they will not comply with my request.. THIS COMPANY IS LOCATED IN XXXX XXXX, KS ... I never lived in Kanas. how does this account belong to me.. I also disputed with XXXX they were unable to verify any information pertaining to this account and deleted it.. EXPERIAN is reporting a open date of XX/XX/2020 on the experian website but on XXXX XXXX they're reporting an open date of XX/XX/2020 that is inconsistent. this violation has been going on for over 2years. 
ONCE again I have enclosed supporting documentation pointing out the violations as well as the laws from the FCRA. you're in complete violation I will just pursue legal matters. please delete 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 2022-02-15
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-15
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: Was not notified of investigation status or results

Complaint:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 30 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: NV
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 XXXX 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 an account without my written instructions

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 2022-07-15
Company: EQUIFAX, INC.
State: NV
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 XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, 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:
Spoke to XXXX ( XXXX ) in the Office of Consumer Affairs with Equifax XXXX XXXX XXXX on XXXX XXXX at XXXX am. I also spoke with XXXX ( XXXX ), I also spoke XXXX as well and she provided her employee ID ( XXXX ). I have also spoken with XXXX ( XXXX, and unfortunately, none of the agents wanted to assist, even though I am assigned to this department. I provided account number of XXXX XXXX, ( that was deleted from my file in XXXX XXXX, and placed back on to the file in XXXX XXXX. I have spoken to Equifax Office of Consumer Affairs, until this date they have continued to violate my consumer protection rights as a consumer. They have issued my consumer report to a third part agency ( XXXX XXXX ) listing the items that are fraudulent on my credit report. All of the agents above have stated that they are not able to assist me, at this time over the phone, I have filed Mutiple complaints through the CFPB regarding the Equifax Office of Consumer Affairs, and nothing is done. Please help me to understand how an agency that is issuing consumer reports are able to not keep accurate information and continue to report fraudulent information to third parties regarding my consumer. Also, the calls are outsourced to foreign places outside of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Experian Information Solutions 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:
I believe that my personal information on XXXX, XXXX and Experian was used to obtain credit in my name or they are reporting someone else 's information on my credit reports. I have requested ( 3 times ) physical proof that they have on file for the creditors claims and they have not as of yet supplied me any proof of the specified items as being verified as being mine nor how they got the information to report them to my credit files.

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 2022-07-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
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:
This car loan was reported fraud and was removed from my credit on all 3 credit files. Now It's back? This was dealt with in XXXX. It's now XXXX and still on my file. I had gotten a police report for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU 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 2017-09-06
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: Information belongs to someone else

Complaint:
I believe that my personal information on XXXX, Transunion and XXXX was used to obtain credit in my name or they are reporting someone else 's information on my credit reports. I have requested ( 3 times ) physical proof that they have on file for the creditors claims and they have not as of yet supplied me any proof of the specified items as being verified as being mine nor how they got the information to report them to my credit files.

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 2022-07-15
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXt outsourcing 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX  XXXX Balance : {$150000.00} XXXX XXXX  XXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Home Mortgage Foreclosure Attorney - XXXX XXXX XXXX has filed a lawsuit against me WHILE I AM CURRENTLY in loan modification review with Wells Fargo for my mortgage. 

I feel this is a violation of the dual-tracking laws. 

XXXX XXXX XXXX should not be pursuing a lawsuit against me during a loan modification review with Wells Fargo. 

I do not have XXXX which most attorneys want as a retainer to fight the district court complaint filed in XXXX XXXX against me WITH A RESPONSE DUE BY XX/XX/2017 or I am in default. 

I need help ASAP!

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 2017-09-06
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XX/XX/XXXX I made an extra payment of {$100.00}. My bank automatically made the payment of {$100.00} for the regular payment that was due XX/XX/XXXX, they changed the amount to {$240.00} but my automatic payment was not changed by them as I thought it would be since I set it up through Fedloans. On XX/XX/XXXX I noticed I had a past due and paid {$250.00}. On XX/XX/XXXX the {$250.00} was out of my bank account and my bank says it has been paid. I called fedloans on XX/XX/XXXX because I noticed they now want {$350.00} and say they have not gotten it. The woman told me to call my bank which I did but did not give me a fax number or what to request from my bank in the first place. The first time I called fedloans they hung up on me after being on hold for 10 minutes. I paid diligently every month for 2 years despite only making {$8000.00} in XX/XX/XXXXand {$15000.00} in XX/XX/XXXX. One mistake which I took immediate action to correct and they want to ruin my credit and charge me fees I ca n't afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
On XX/XX/2021 me and my son went to Bank of America to deposit two checks into my account. After depositing the checks, we went home. As the days went by, I was able to pay my bills and use the funds that were in my account. The next day, while at work, I was trying to purchase something to eat for breakfast. I noticed that my card was declined several times. I was having difficulties making any transactions, even with paying another bill. So I decided to go to Bank of America to see what was going on. 
We spoke with a representative. They said that something was wrong with the check and that they were gon na hold onto the check for further investigation. The account was then closed. They told us to call them back after 30 days for an update. I told them that I had deposited two checks ; one from XXXX XXXX from my deceased husband retirement funds and the other was from XXXX XXXX. They told me that this process would take up to 90 days and to call back after 90 days. I called back after 90 days to get a update on the situation. They told me to contact XXXX XXXX and tell them to call Bank of America to prove that the correct amount on the check. I then contacted XXXX XXXX and told them what the issue was. Then after talking to a spokesperson from XXXX, I got right back on the phone with Bank of America again to let them know that it was the correct amount on the check. Bank of America told me I had to get on the phone with XXXX XXXX and they have to get in contact with Bank of America. After proving that the amount was correct, Bank of America spokesperson told the rep at XXXX XXXX that they were going to release the funds within 7 days by mail. Its now XX/XX/2021, which makes it 7 months since they've held onto my funds and have not called or mailed anything to me concerning 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 monetary relief
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX, XXXX, and Transunion have not updated my personal information. I have sent the attached later beyond 30 days ago. I need for this information to be updated in the system.

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 2021-08-28
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX {$330.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$260.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX, XXXX XXXX XXXX XXXX XXXX {$8000.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$550.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX & XXXX XXXX XXXX {$390.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$1500.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$56.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$720.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$910.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$1500.00} I filed an ftc report and spoke with the creditors and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$290.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$550.00} I filed an ftc report and spoke with the creditor and they refuse to remove it.

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 2022-08-15
Company: EQUIFAX, INC.
State: TN
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 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 2022-07-15
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:
It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 accounts or information which is 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 these files. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX : US SM BUS ADMIN ODA Inquiry Date XX/XX/2020 EQUIFAX : ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$820.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$39000.00}

Company response to consumer: Closed with explanation