BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
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 status incorrect

Complaint:
Did a dispute but it came back saying it was accurate. According to 15 USC 1692g they have to validate my debt using consumer law.

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: 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 have sent letter after letter and filed dispute after dispute on a few items on my report to Transunion. Every incident they are reporting that the dispute remains because it was verified by data furnishers.     I have sent letters to request proof of their verification process and to send me a copy of the proof bearing my signature that the account belongs to me that these data furnishers have provided to them that makes them refuse to correct the disputed error.

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 2015-04-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XXXX I went on line to check my bank accounts with 5/3 bank and observed an electronic check withdrawal from my savings account that I had not authorized. I immediately called to report the fraudulent activity with customer service and was told to go in person to file a domestic collections package. The same morning I went to the branch and closed all accounts, issued new account numbers and changed passwords, etc. ALso filed a police report. Was advised the process could take XXXX days to resolce. I have dutifully called the bank and receive the same response, the other bank ( XXXX XXXX ) is still investigating. I feel helpless and XXXX days later, still no money. I do not know the person who made the electronic withdrawal nor do I have any affiliation with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : I sent disputes to Experian XXXX. XXXX XXXX XXXX, TX XXXX on XXXX/XXXX/2016. The investigation was not sent to me 1. The information is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The information is incorrect for the following account. This account has been paid-in-full XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The information is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my 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 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have attempted to dispute several errors on my TransUnion credit report, illustrated in the attached files. TransUnion has responded with " Verified as Accurate '' on two accounts when the " Date Updated '' and " Date Last Active '' have not changed ; therefore, they have not done any investigation into the accounts and claimed to have verified the information. Additionally, when I challenged them on this matter in my follow-up dispute letter, they claimed that I was using a 3rd party debt repair service, which I mailed the letters myself, and that the 3rd party did not have the correct authorization to work my behalf. I have included a copy of my ID and Social Security card and a recent utility bill to confirm that it is me with each dispute letter I have sent. I feel that TransUnion is using this tactic as a deterrent in my attempts to correct errors on my credit report with them as they benefit from the negative and false information represented on my 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 non-monetary relief
Consumer complaint received 2017-05-26
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Information and referenced documentation was disputed with   XXXX   in  XXXX     2017  and It has been more than 30 days since the intital submission. The disputed information was regarding the    XXXX   XXXX   XXXX    and  XXXX  loans.  Information  was provided showing an open real estate account with  XXXX  that was not included on the report.    XXXX   XXXX   XXXX   c ontinued to report negative pay history while I was in an active Chapter  XXXX  bankruptcy.  XXXX  was asked to remove all negative pay history reported by creditors while I was in active bankruptcy status. Currently  XXXX  is not showing active and that current payments are being made. Negative pay history reported during the time I was under bankruptcy should not be on my report according to the fair debt collection practices act

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 2016-08-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to use the annual credit report website. I was able to get my XXXX and XXXX reports, but Equifax kicked me out, instructed me to use a paper request with unduly complicated instructions and then when I went to try and access it through the annual credit report website, displayed a screen falsely saying that I had already accessed my free report for the year. I attempted to call them and their automated system is useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have tried multiple times to have Equifax investigate an account that is not reporting correctly. I have asked for verification of my account. Sending me an ANSWER in BOLD does not prove VERIFICATION! You last stated that historical data was deleted and therefore could have not been verified. Delete immediately! Attached is the original letter stating why, and the report you sent me showing me exactly how this was verified, which further proves how you did not investigate this properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
Please CFPB forward the following documents to Citi Bank. Thank you! Please Citi Bank, make a real investigation, and help me fix this issue as soon as possible, soI can buy my house. Thank 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 explanation
Consumer complaint received 2020-03-17
Company: Experian Information Solutions Inc.
State: AL
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 account number XXXX. The type of account reporting is incorrect. An account can only be charged off once not every month. How can a closed account keep reporting late payments? This is inaccurate. The FCRA says, 100 % accuracy. 

XXXX XXXX/XXXX  XXXX. The type of account reporting is incorrect. An account can only be charged off once not every month. How can a closed account keep reporting late payments? This is inaccurate. The FCRA says, 100 % accuracy. 

XXXX XXXX XXXX The type of account reporting is incorrect. An account can only be charged off once not every month. How can a closed account keep reporting late payments? This is inaccurate. The FCRA says, 100 % accuracy. 

XXXX XXXX XXXX XXXX XX/XX/2017the account was 60 days past due then XX/XX/2017 the account was 30 days past due. How is this so? This is incorrect reporting. 

A charge off account should have a XXXX  balance and written off. It's a violation to have a past due on a charge off 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 2016-07-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I settled this credit card for less than the full amount due 12 months before my bankruptcy. The card was through XXXX. I have only ever had XXXX card through XXXX. EquiFax reports it as included in bankruptcy, other agencies do not. I created a dispute and their response was that the creditor verified the information was correct. I then called EquiFax , created a phone dispute and faxed them the letter from the law firm stating the account was settled for less than the balance owed. That was XXXX XXXX. On XXXX XXXX, I got back the exact same response, that the creditor had verified that the information on file with EquiFax is correct. The last XXXX of the account on record with EquiFax and the last XXXX of the account settled do not match. I believe this is because at some point XXXX canceled the program my card was attached to ( XXXX XXXX card ) and reissued it under program. However, I have only ever had the XXXX account with XXXX. Attached is the latest ruling from EquiFax and the letter from the lawyer after I made the settlement payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
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: 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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
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 by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$0.00}

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 2022-08-16
Company: EQUIFAX, INC.
State: VA
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:
XX/XX/2022 i sent several letters to creditors XXXX  XXXX {$820.00} {$640.00} {$400.00} XXXX XXXX {$820.00} XXXX XXXX XXXX  {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX {$890.00} XXXX XXXX  {$820.00} {$710.00} XXXX XXXX XXXX {$400.00} {$640.00} {$230.00} XXXX XXXX {$340.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$1100.00} {$500.00} {$850.00} XXXX XXXX {$890.00} XXXX XXXX {$2500.00} XXXX XXXX {$500.00} XXXX XXXX {$570.00} {$570.00XXXX XXXX XXXX {$2500.00} about false collections on my credit report as well as late payments and creditors selling accounts to multiple debtors .Theyhave Not excercise my right under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: NC
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 my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$550.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2022 Capital One froze my Capital One Venture credit card without explanation. I received an email notice stating it was due to " suspicious activity. '' As a result, I called customer service. The explanation provided by customer service was that my identification documents needed to be checked. The phone representative requested that I upload my identification card to their website, which was done on XX/XX/XXXX. The customer service representative stated that the website could not scan the identification, requiring manual review by a specialist. Furthermore, the customer service representative could not provide a date that account access would be restored. The customer service representative stated that it would be a minimum of 2 weeks for a specialist to reach out to me ( ten business days ) which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Wells Fargo home Mortgage submitted a 1099-A without also filing or submitting a 1099-C to the owner of XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX regarding the payments she made. The 1099-A Wells Fargo Home Mortgage submitted indicated a loss of {$140000.00}, approximately {$20000.00} less than the deed to the property and likely as stated because the property structure was this amount, however, being the same {$140000.00} XXXX XXXX XXXX paid in mortgage payments. The for consideration amount was $ XXXX. Also, being the same amount inclusive of the land that XXXX XXXX XXXX paid for separately. This has been submitted to the IRS and was further addressed with Wells Fargo with indication that this matter is being worked on by the Internal Revenue Service. The property and structure known as XXXX XXXX XXXX XXXX, VA XXXX is satisfied. There are no other known contracts of record for any other subcontractor, etc. and all other expenses were paid upfront by XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have opened an Identity theft case with the Federal Trade Commission Case FTC - XXXX. I also have a police report ( XXXX Police department XXXX ). The police report contains all of the details of all the fraud, identity theft and harm that has been caused to me. I have been struggling to clear the damages with friction from Experian. I was guided by the Federal Trade Commission to open a new case with the CFPB to resolve this matter. 

I had written the Collection Agency XXXX XXXX for an allege debt for XXXX XXXX account XXXX ... USPS Tracking XXXX on XXXX XXXX, 2015 requesting validation for this allege account and received no response from the collection agency. 

I have brought the fraud and the lack of validation to Experian XXXX times, ( USPS Tracking XXXX received XXXX/XXXX/15 ), ( USPS Tracking XXXX received XXXX/XXXX/15 ) as well as ( XXXX XXXX received XX/XX/2015 ) on the fraud and lack of validation by the collection agency and requesting to delete this account from my credit file. 

Experian repetitively delay the process by doing an investigation and responded on report number XXXX with a simple response UPDATED and no additional information, After re-escalation, on XXXX XXXX, 2015 Experian responded on report number XXXX with " unless you send us additional relevant information to support your claim, we will not reinvestigation this information again ''. Fraud or lack of validation within the require 30 days should not be reported on my credit file. If a collection agency does not validate an allege debt within the 30 days time frame, the account needs to be deleted from the credit file, or if the account is caused base on fraud it should not be reported on my credit file. Failure to correct the reporting of this account is a direct violation of the FCRA. 




Attached : copy of the debt validation letterletters to experianExperian reporttracking informationFTC casePolice Case

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted expertise several times for over XXXX hard inquires in which only XXXX is mine with a credit card and XXXX with XXXX car loan. all the other inquiries not mine.

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 2015-07-15
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX the XXXX, 2020, I used the Bank of America mobile app to transfer {$600.00} to my father. I transferred the money through the XXXX portal in the app. To identify the recipient, I entered my father 's phone number, which he has owned for over two years. When my father didn't receive the money, I called Bank of America 's customer service to inquire about the missing money from my account. They informed me that they had transferred the money to a previous owner of that cell phone number. The only option they offered as a solution was to file a complaint to ask the money recipient to voluntarily return the money. In their estimated range of 30 to 45 business days it would take to reach out, they never contacted me with a response. I called their customer service again for an update and they informed me that they had not been able to reach out to the money recipient, and that my only available option was to take legal action against the money recipient.

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