BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I legally change my name to from XXXX XXXX XXXX To XXXX XXXX now XXXX XXXX XXXX XXXX XXXX XXXX account. Still have in my online profile from my credit journey XXXX XXXX I already change in the locate bank but Im having a lot of difficulty to change credit update they refused to do it all the time and thats its legal I have my new credit card under my legal name XXXX XXXX but online still XXXX XXXX XXXX You stop report my credit to experian since last year 2022 and remark my account asking for a clear credit report when you are the only company hasnt change the name I need you to update and my name and report to experian a soon as posible this its affecting me because Im putting a lot of my busy time to this situation Im going to share my label documents once again to prove that XXXX XXXX is my legal name and not 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 2023-03-29
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:
In accordance with the Fair Credit Reporting the following XXXX XXXX  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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian is reporting fraud debt on my credit report, from XXXX XXXX  XXXX reporting for {$400.00}. This debt does not belong to me. That account does not belong to me. It is fraud activity. I have not had any dealings or affiliations with the debtors. My identity was stolen and had been reported to Experian and Identity Theft and Experian is aware of this. That company also reports a wrong number, email address, and incorrect mailing address for me. It is the only negative item on my credit report and it is fraud. Please remove 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 2023-09-20
Company: Experian Information Solutions Inc.
State: AZ
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XXXX  Please remove it 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 2023-12-12
Company: WELLS FARGO & COMPANY
State: SD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was making payments on a Cancelled Credit Card in order to pay it off slowly by making small payments every month. The Bank raised the amount 2 or 3 times without my consent of knowledge. They also didn't pay others prepaid bills that were due so that they could collect more money toward this cancelled card, which made me extremely delinquent on several household bills. Some companies cancelled my accounts ( Insurance payments, phone payments, etc so they could apply more money to their Credit Card.

I admit to the Debt, but my intentions was NOT to apply All my money to the defaulted Loan. I believe I started out paying {$50.00} per month toward the Card in good faith to pay it off eventually. But the bank kept raising the amounts without my approval & without my knowledge. They are up to {$150.00} around the XXXX of every month. I tried to cancel or change the amounts but there was no option to do so. I Did ask to lower the payments & they said it wouldn't be enough. 

They told, me that someone had hacked my account & that they had to cancel my card. I was never informed as to who or what was done. But, during that time I couldn't use my Card to pay bills and I was never told what or who hacked it. Which meant I couldn't pay my bills without my card. They also said that I REQUESTED that my Card be cancelled. 

I am on Social Security & have XXXX XXXX. By taking so much money out of my account I can't pay my bills as needed. I don't know what I can do to Stop them from doing this... It started out as a gesture of Good Faith... and they used it to bring my Finances to an all time Low.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. 

XXXX XXXX XXXX XXXX has violated my rights 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 an 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 or 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 2023-11-25
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX Truist called me to inform me they detected XXXX {$1.00} charges charged to my credit card. I informed Truist I did not make those. Truist informed me they would remove those {$1.00} charges from my account, which they did. They cancelled my current card and reissued a new card. Did not receive my statement for billing cycle XXXX. 

XX/XX/23 When I checked my statement on line, I noticed XXXX XXXX charges charged to my old credit card on XXXX totaling {$1100.00}, which I did not authorize. I contacted Truist and advised them that these were also fraudulent charges. They told me they would investigate and have it resolved within XXXX billing cycles. 

I called Truist on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23. It has already been XXXX billing cycles and no resolution. I am incurring late fees and interest charges. I am also getting delinquent calls from Truist.

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 2020-05-04
Company: Experian Information Solutions Inc.
State: OH
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 was recently notified during a Federal Security Clearance Investigation that I had an unpaid healthcare bill of {$42.00} on my credit report from 2017. I have not been notified of any unpaid bills in these 3 years. The number listed on the report was XXXX.No other information was listed so I don't know who is reporting that I have {$42.00} unpaid. I would like further information on this so that I can resolve any discrepancies. 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 2023-12-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CFPB, My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching my proof that Equifax has admitted fault and that I was a victim of this data breach and Equifax has done nothing to provide resolution ( s ). Please help me to delete these illegal accounts that are reflecting negatively on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: AZ
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:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In violation of : 1 5 U.S.C 1681 section 602 A. States I have the right to privacy. 1 5 U.S.C 1 681 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 information relating to a customer to a credit reporting agency if the person has any reasonable cause to believe 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 2022-03-23
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I sent a certified letter with return receipt via the US Postal Service to Equifax disputing an erroneous account on my credit report. I asked for the account to be verified and validated, and to have the documents sent to me that were used to verify and validate this alleged debt. I received notice that they received my letter but they have refused to respond to me. It has now been more than the 30 days, which by federal law via the Fair Credit Reporting Act and Code of Federal Regulations that they have to respond to me as a consumer. By law, since they willingly chose to respond, they now must delete the account in which I disputed. I have attached the documentation which was sent and received by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In 2015, I opened a checking account with Bank of America ( BoA ). The last transaction date was XX/XX/15. At some point after that, the account was closed. At that time, I had a balance of nearly {$960.00} in the account. When I log into my BoA account, I can see the balance listed under My Portfolio, but there is no way to access the funds. I realized this sometime around XXXX of last year, and called BoA about it. They told me that their system shows a balance of {$XXXX} at the time of closure. They say that the money must have been passed to the State of Missouri ( the address on the account was a Missouri address ) as unclaimed property. I have checked the publicly-accessible unclaimed property databases, but there is nothing under my name. I believe the funds were never passed to the state.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XX/XX/XXXXXXXX XXXX XXXX  Bankruptcy XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THERE IS A CHARGE OFF REPORTING ON ALL THREE OF MY CREDIT PROFILES AND THAT CHARGE OFF IS FOR XXXX  XXXX XXXX. 
MY SOCAIL SECURITY NUMBER WAS FOUND ON THE DARK WEB.

I'VE ALSO NOTICED THAT THE STAUE OF LIMITATIONS IS UP N THIS ACCOUNT FOR STATE OF IOWA. 
I REACHED OUT TO THE BUREAUS AS OF XX/XX/2022 AND FOLLOWED UP ON XX/XX/2022. I HAVE NOT RECIEVED A RESPONCE OR A STATUS UPDATE BASED ON THE INFO THAT I SHARED ABOUT THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: OK
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 have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In violation of : 1 5 U.S.C 1681 section 602 A. States I have the right to privacy. 1 5 U.S.C 1 681 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 information relating to a customer to a credit reporting agency if the person has any reasonable cause to believe 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