BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: NC
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 response to consumer: In progress
Consumer complaint received 2022-10-31
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:
I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the Credit Reporting act XXXX 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 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 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. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have hard inquiries that was made with out my consent. 
XXXX XXXX ( XX/XX/XXXX XXXX Inquiry date Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date Removal date XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-04-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A XXXX U.S. citizen fighting for his right to privacy. I have never given my consent in writing or otherwise for my personal nonpublic information to be made public with any company or institution. 



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. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Had 7 transactions totaling {$300.00} from Zelle that I did not make or authorize. Contacted XXXX XXXX to file fraud claims on the transactions. XXXX is denying the fraud claims stating they have no authority over Zelle fraud claims, even though I have to go through my XXXX app to use Zelle! Zelle says there were no log in errors before the money was transferred so the transactions were valid. 

I have just lost {$300.00} and my bank nor Zelle will do anything about it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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:
This is my other 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 items 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 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 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 2020-07-16
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:
These are not my accounts, nor did I authorize these companies to pull my credit. Additionally, there are addresses that are unknown. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
M name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-04-02
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 non-monetary relief
Consumer complaint received 2023-01-13
Company: Solar Mosaic LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following listed company 's have filed a XXXX filing against my company and it is not mine. I need help trying to find out who these companies are and why they have this on my report. I do not have a delinquent communications bill, I do not have a Solar delinquency nor do I have a Loan fund thats delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XX/XX/XXXX I discovered on my annual credit report, incorrect information on my credit. This is a result of Identity Theft and need to be removed ASAP! please have the following removed ; XXXX XXXX XXXX amount : {$830.00} opened : XX/XX/XXXX original creditor : XXXX XXXX XXXX XXXX XXXX XXXX CCS Collections original creditor : XXXX OPENED XX/XX/XXXX This reporting incorrectly on my credit due to identity theft and has affected me in so many ways for my career and being able to buy a home for my family.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MN
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:
Toyota Financial Service created fraud statement of more than XXXX on the outstanding balance I was expected to pay. 
Immediately I went to the brokerage and I asked for explanation before making any payments. 
The brokerage said this is not our duty, its Toyota Financial Service. 
Toyota financial have asked me some days by phone why I am not paying. I told them I noticed fraud statements and I am willing to pay only when you send the right statement. 
While disputing, after XXXX payments passed they allegedly towed the car, slummed my credit score and they transferred to several collection agencies. When the collection agencies failed to collect they transferred to IRS and the IRS asked me for explanation. But the amount of money they transferred to IRS was much less than what they used to put on the document. 
The IRS asked me the document I have and I faxed to them. Thus they failed to collect through IRS too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S Code 1681A- Definitions ; rules of construction- Exclusions.- Except as provided in the term " consumer report '' does not include and report containing information solely as to transactions oe experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may treat a payment on or a credit account under an open end consumer credit plan as late for purpose.

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 2023-05-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX, XXXX, Equifax refuse to remove an address that does not belong to me. its removed and then reappears

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I bought our home in 2019 with what we thought was a VA loan. All the paperwork was done through Wells Fargo, and it was notarized as a VA loan, then the day before we were to make our 1st payment, I received a letter stating that Wells Fargo turmed my VA loan into a conventional loan without notice prior. They said the VA denied my loan request. I contacted the VA and they said the no one had contacted them from Wells Fargo and that I was eligible for a VA loan an in good standing since I just paid off my last VA loan with the selling of our old house. The VA said they could not do this, I sent them the signed paperwork, but I have not heard anything back, It is going on 4 years now. How can a bank just change your loan after you have signed everything? I have spoken with Wells Fargo many times and they said they are looking into it, but the loan type has not changed. 

Thank you for your time, 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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 XXXX  breach and XXXX 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 non-monetary relief
Consumer complaint received 2022-03-08
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I saw the item appeared on my credit report I called XXXX XXXX to enquire why? I was told that this item was related to a computer that was ordered. The employee at XXXX  XXXX told me the computer was mailed to an address in XXXX XXXX XXXX XXXX XXXX XXXX Florida. I have no affiliation to that address, neither did I order a computer. I called and wrote the creditor repeatedly asking that they remove this item from my credit report and asked them send me proof that this account was opened by me, but they refuse to respond to my request. I did not authorize this account, neither have I ever personally ordered any item from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These are not my accounts, nor did I authorize these companies to pull my credit. Additionally, there are addresses I don't recognize. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was in my vacations from the XXXX XXXX XXXX XXXX XXXX and on XX/XX/XXXX I received an email from American Express that the were reviewing my credit limit to reduce it. I was told to pay an amount over XXXX dollars before XX/XX/XXXX. I was in the XXXX during my vacations and I had limited access to internet and no access to calls. I read the email and immediately I contact ext customer service through the app and they told me that they cant do anything for me unless I contact the department via telephone. I tried to download XXXX to call them but I was not able. I had no access to calls until XX/XX/XXXX. And when I checked my credit limit was decreased. I never missed a payment. I never went over limit. And I want my old credit limit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Around XX/XX/2014 Bank of America falsely reported my address and other information to the credit reporting agencies. I have shown the bank that it was and remains a victim of mail fraud and identity theft. The bank has, since those fraud incidents and their subsequent false credit agency reports, become a victim of forgery perpetrated by the same entity. Bank of America refuses to correct the false report and is now complicit in the ongoing fraud and continues to conspire with the perpetrator.

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 2021-07-18
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation