BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2023-11-29
Company: EQUIFAX, INC.
State: IL
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: PA
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'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-27
Company: Experian Information Solutions 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-21
Company: First National Collection Bureau, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received calls for about a month ( XXXX into XXXX ) from First National Collection Bureau , Inc of XXXX Nevada calling me by name & birthdate. They refused to tell me what the bill was about unless I give them my social security number which I did not. They continued to call & I refused to answer. I received a letter from them XX/XX/22 stating I opened up a credit card with XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SD, for {$880.00}. If I send in 6 months - {$73.00} to them ( First National Collection ) totaling {$440.00}, the rest will be dissolved. I did not open this nor did I ever receive any calls, letters, statements from XXXX XXXX on it. I called XXXX XXXX  XX/XX/22 who verified I owed it from acct # XXXX but she repeatedly asked for my SS # - states I can file a dispute letter & mail in to XXXX XXXX XXXX, XXXX XXXX, SD XXXX. The letter stated due to age of debt, XXXX XXXX will not sue me for it but can report it to credit reporting agencies. First National can not sue me nor report me to credit reporting agencies. However I can renew my debt and pay later if needed. I DID NOT get a credit card nor do I owe this bill. This is fraudulent and identify theft on me and I need to know how to handle. Any assistance will be greatly appreciated. XXXX XXXX Spoke to XXXX XXXX & XXXX on above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: NJ
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:
Request to remove fraudulent account from my credit report. XXXX XXXX  is fraudulent 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 2021-05-11
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to Amerisave in early XXXX as regards refinancing two properties.

I was convinced that the process would be timely and that at all points there would be a loan officer who would help the process along. 
I specifically requested to know if they thought I had a good chance of success with the loan application and was assured I did. 
I think I did too, but did not want to waste my time, energy or money. 
I have five rentals all rented out 100 % of the time XXXX. I have a restaurant that is OPEN and doing business at 80 % of sales XX/XX/XXXX compared toXX/XX/XXXX. 
The business has received that 20 % income shortfall in grants - thus no actual loss year on year. 
Not to mention my personal income has increased, due to staff not returning I have worked those shifts and received $ XXXX in tips/wages. 
Everything is verifiable with W2, audited and submitted Tax returns etc.Everything was submitted ti Amerisave.

The process became unprofessional with repeat requests for the same documents. Multiple requests for profit and loss reports ( three, each time costing {$600.00} ), and of course two appraisals at {$500.00} each. I could not speak to a person and when I finally did they apologized that they had not assigned both mortgage applications to the same agent. 

I have received no explanation as to why I have been denied. 
I was not requesting money out from the current mortgages. This was a pure re-fi. 

Had I been told the parameters for a successful application from the start, which I did request, then I would have been able to make a decision as to go forward or not. 

I feel duped and cajoled into making an ultimately unsuccessful application which has cost me money, time and sapped my energy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: NV
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX CO XXXX Balance : {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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: Was not notified of investigation status or results

Complaint:
THIS IS XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY. I AM ALSO USING THIS COMPLAINT, AND EVERYTIME YOU GUYS RESPOND BACK WITH A STALL TACTIC RESPONSE AS EVIDENCE IN MY LAWSUIT AGAINST YOU. I AM NOT GIVING YALL MY XXXX ID, PROOF OF ADDRESS OR ANYTHING EITHER BECAUSE I DIDNT GIVE YOU PERMISSION TO PUBLISH INFORMATION ABOUT ME IN THE FIRST PLACE. THIS IN ITSELF IS A VIOLATION OF UNITED STATES LAW 15 U.S. CODE 1681B. 

I HAVE FILED COMPLAINT XXXX AND COMPLAINT XXXX on XX/XX/XXXX. 

On XX/XX/XXXX I sent a letter in regards to inaccurate and unknown things on my XXXX credit report. These accounts are adversely affecting my credit report and ruining my chances of obtaining credit. You guys should know this is not a XXXX regular dispute either, I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my I do not recall any of these accounts. I need this problem fixed IMMEDIATELY. I will not wait another 60 plus days to receive no response because clearly yall arent doing your XXXX job. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you cause me. In Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has already been more than 60 days so they should be deleted XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account nameXXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name:XXXX XXXX XXXX # XXXX XXXX, Account name : XXXX XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name 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 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 which 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 non-monetary relief
Consumer complaint received 2021-05-11
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: Information belongs to someone else

Complaint:
Hi Great Team, and Thanks for willing to help me with this matter. 

Due to a conversation that I had with a close friend who were complaining about how much incorrect things she found in her credit report, I decided it was time to go check mine too, especially since she mentioned that it is now free because of to the pandemic. I was so stunned and devastated when I saw on my credit report a lot of accounts that I totally don't recognize. So far, I have sent more than 3 letters to EQUIFAX, XXXX and XXXX  asking to verify those accounts for me or even better, delete them as I did not recognize any of them. Same thing was asked concerning some inquiries that was made in my account without me allowing them. 
The first letter was sent on XX/XX/2021, so now it has been way more than 30 days, and they still have not sent me any response, let alone any document bearing my signature such as a contract with any of those financial entities, that I saw on my credit report. 
The worse is that the names used on some of those accounts are even not my correct name, and same thing for some of the addresses on file. After seeing that, I made sure I called EQUIFAX, XXXX  and XXXX as well to ask them to correct my name and correct all the false information on my file. Some have been changed, but they still have not corrected all of the incorrect information. 
I will include to this complain the letters that I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: MO
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 submitting this CFPB complaint again despite of the multiple previous written requests, the unverified items listed here still remain on my credit report in violation of Federal Law. They failed to comply with Credit Reporting Act, Section 605b within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The following items should be removed immediately from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$27.00} 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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am submitting this CFPB Complaint to today to request once more to remove the inaccurate personal information and unauthorized inquiries you have been reporting on my Credit File. I informed you before that I was a victim of identity theft and these items were never mine nor did I authorized anyone to conduct these items on my behalf. I do appreciate your efforts to remove a portion of the disputed accounts and information off my Credit File but there are still items being reported. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please remove the following items off from my Credit File : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX If you believe that these items belong to me, I require you to please send my any copies of proof of ownership or verification to support you beliefs. In the event you can not provide such documents, immediately remove the disputed items from my Credit File.

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 2023-06-27
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
This is exactly why I have had to dispute so many times since the conception of this account from XXXX! Even today after all of these disputes, they are posting payments on a charged off account for the past three months! All of the disputes that I have flled not one person at XXXX, Experian, or XXXX has ever looked at any of these disputes and here I am now again wasting my time because these XXXX idiots at XXXX lie, cheat, post XXXX info on my credit file and to this day have never shown us one signature of validation! You XXXX XXXX better get your XXXX off of my Credit report immediately I am warning you for the last time, all three credit bureaus need to me charged For lying to the CFPB because none of you have addressed these bogus payments on my credit report! XXXX you better get your XXXX Off my credit file asap or youre gon na hear from me Im tired of you manipulating my credit file And XXXX my scores up you XXXX of a XXXX this is it, Im Tired of doing yalls job and you all better get this XXXX off my credit report or Im gon na sue your XXXX in court I already have enough already get off your XXXX and do your job!

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 2021-05-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I got an auto loan from Wells Fargo in XXXX for a XXXX vehicle. I have made 72 payments. In XX/XX/XXXX I contracted COVID and missed 2 payments. Wells Fargo has now changed off my auto loan and are looking to repossess my vehicle After contacting them they are telling me I still owe an additional XXXX. The sale price of the vehicle was XXXX. I traded in a paid in full XXXX XXXX and gave {$2000.00} cash. I thought I financed XXXX but after speaking to them I was advised that XXXX was financed with over XXXX additional in interest. I have paid XXXX for 72 months. How is this possible that I still owe them this much money

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 2023-07-25
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Recived a scam call not knowing at the time, called themselves the police department and told me they needed me to pay for a bail because I did not show up to court which was all a lie. They had me take out {$10000.00} in cash, I paid about {$4000.00} to this person through cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, 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 sent a letter regarding On XXXXThere have been fraudulent Inquires on my credit report. to this day over 60 days later I have not received a response yet. please remove the Inquires from my credit report They should be deleted before further action is taking I will file for litigation. Please resolve this matter I feel I'm impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: ND
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-06-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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