BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 originally filed a dispute on XX/XX/XXXX over the status of my student loan accounts. After over 30 of investigation they have incorrectly changed my record, and now have the same items being reported two separate times on my account. One item is even reported three separate times. The lack of any rush to properly investigate and handle issues is very clear. I now have to wait over two months in order to get this dealt with.

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 2022-04-29
Company: EQUIFAX, INC.
State: MD
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Io, Inc.
State: MD
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 allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

The company failed to provide additional information and will not reinvestigate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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: Personal information incorrect

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX XXXX XXXX. 
My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX  My only phone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX XXXX. Driver License, SSN Card, and Proof of Residence

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company keeps reporting every month on my credit report. I have absolutely no dealings with this company. I have no contract at all with this company. I have tried and tried to dispute the claims of this company to no avail. 

The doctrine of privity in the common law of contract provides that a contract can not confer rights or impose obligations arising under it on any person or agent except the parties to it. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. 

LVNV FUNDING LLC XXXX O XX/XX/XXXX Open {$1400.00} Account Details Last Reported XX/XX/XXXX Collection Agency LVNV FUNDING LLC Original Creditor XXXX O Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1400.00} High Balance {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
To whom this may concern, Scottrade Bank recently suffered another databreach exposing personal information. I was previously an account holder at Scottrade Bank and Scottrade XXXX until being a victim of identity theft and having gone through significant problems as a result of Scottrade 's last XXXX customer record data breach. 

I am writing today to request Scottrade Bank affirmatively confirm or deny whether or not my personal information was exposed in the newest data breach. My former account number are XXXX and XXXX. Additionally, I would like to ask if Scottrade has plans to provide identity theft insurance for these breaches. 

The databreach was reported here : XXXX as well as XXXX and elsewhere.

Company response to consumer: Closed
Consumer complaint received 2022-04-29
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2023-08-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes whic
h antedates the report by more than seven years.

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 explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation.I DO NOT CONSENT TO XXXX FOR VERIFICATION.

Again, if you fail to immediately remove inaccurate, incomplete, or unverifiable information, be advised that I intend to log a complaint against you with the Federal Trade Commission and the Consumer Financial Protection 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
Consumer complaint received 2019-08-17
Company: WELLS FARGO & COMPANY
State: AZ
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:
My credit report shows I am an authorized user with my ex girlfriend on a Wells Fargo credit card account . We have not been together in over 4 years  and have no recollection of signing anything for Financial  responsibility  in regards to a  XXXX debt that’s now classified as a charge off. I wish to have this removed as soon as possible 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 non-monetary relief
Consumer complaint received 2023-07-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written this company every month beginning XXXX XXXX XXXX  explaining to them that this account does not belong to me. I requested that they provide the original contract with my wet signature and date and terms ; but I have not received it as of this date-XXXX. I discover through research that they arent authorized to collect in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: VA
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:
Company has failed to investigate my credit report and attempted to bill both of my credit cards without my authorization

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 2017-03-29
Company: KEYCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My bank sent new debit card to my old address, somepne got it activated it and later on used it for purchases at different locations but mainly XXXX store where they took out my whole balance of XXXX dollars, i found out about that when i went to make a deposit at my bank, Teller told me to call fraud which I did, fraud made an investigation and they refunded me with only XXXX dollars and they said that other transactions occurred with my physical card present, i filed a police report online. 
I was shocked to know that my bank is not responsible about these charges since my card was stolen and was activated from different phone mumber as my bank has told me.. 
I tried to call the bank fraud person assigned to my case to follow up with her since I filed police report but she is not answering or calling me back. She gave me the last XXXX digits of the phone # used to activate my debit card and refused to give me the full number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Central Service Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The collection company said that a locator was calling to locate me, I attempted to provide my current address. They called my place of employment not only my direct number, but also our legal head quarters and told them there was a claim against me with our litigation attorney. They refused to mail me anything or update my contact information. They refused to stop calling my place of employment. They contacted my Mother and Father. They told me that a suit is being filed and there is a pending claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Bridgecrest Acceptance Corporation
State: MD
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:
I am currently in a chXXXX bankruptcy filing status which bridgecrest is aware of and they have continued to report payments as late after my bankruptcy filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: NC
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-04-29
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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2021-06-14
Company: Lendmark Financial Services
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX  Reason : Identity theft Please remove this from my Credit Report.

Account Name : LENDMARK FINANCIAL SER Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX  Reason : Identity theft Please remove this from my Credit Report.

Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX  Reason : Identity theft Please remove this from my Credit Report.

Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX  Reason : Identity theft Please remove this from my Credit Report.

Account Name : XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX  Reason : Identity theft Please remove this from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
I have no affiliation with these creditors and I did not make this inquiry.

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 2023-08-04
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX 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 2018-11-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I contacted Wells Fargo Home Mortgage in XX/XX/XXXX ( Copies of emails/correspondence will be attached ) regarding a goodwill request to remove late payments from me and my husbands credit file. My husband and I had experienced a financial hardship as a result of health problems and periods of unemployment in XX/XX/XXXX in which we were forced to refinance our home resulting in an extremely high APR of 11 % with Wells Fargo Financial ; however, we managed to keep up with our payments until we had another setback in XX/XX/XXXX-XX/XX/XXXX. Eventually, our loan transferred back to Wells Fargo Home Mortgage after all Wells Fargo Financial branches were closed. My husband and I would like to refinance our home at a lower APR but having the late payments and inaccurate lates and amounts reporting on our credit reports has been detrimental barriers to refinancing our home. This, I contacted Wells Fargo Home Mortgage asking for their help in removing the late payments as a goodwill gesture. I have also spoken with XXXX XXXX, Executive Resolution Specialist, Customer Care & Recovery Group by phone on XXXX XXXX and was informed that Wells Fargo could not do a goodwill gesture of removing negative reporting because they are bound by the federal government laws to report accurately. A few days later I sent an email to the XXXX XXXX XXXX, CEO, the Board Communications, and XXXX XXXX, Senior Executive Vice President of Payments, Virtual Somutions & Innovation. I spoke with Mr. XXXX several times by phone in XX/XX/XXXX, and he assured me he would look into my request to see what they could do. After  several days, Mr. XXXX called me back and said there was nothing they could do regarding my goodwill gesture request because they we bound by federal laws to report accurately and unless I found a mistake in their reporting. There is a mistake in their reporting regarding the amount of the late payments and number of late payments as I recently discovered when we received our current credit reports. Email and letter correspondences will be attached regarding 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