BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Equifax score dropped drastically ( over XXXX points ) a few months ago without any discrepancies or delinquencies on my account. The other credit bureaus did not report a drastic drop so the issue is clearly on their part and not mine. I called today the XXXX of XXXX to inquire on the issue and the call taker XXXX was not helpful and advised that the score I observed on XXXX XXXX was probably not accurate even though its been reflecting the same score for 3 months. She advised I would need to see my score directly from equifax themselves which I logged in and provided from THEIR website. She continuously stated that I was not logged into their site even though I actually was, proving another technological error on their part. I took photos of my laptop as well as of my phone screen showing I was logged in to their site. She continued to say I was not logged in to their platform so I could not dispute the score I was seeing. I would like to file a complaint against the obviously incorrect score as well as the business themselves for having a flawed system that does not reflect when customers are obviously logged in. Ive attached photos showing that I was truly logged in during the phone conversation. Also photos of the drastic drop ( within 6 days of the previous score ) as well as the factors that affect my credit. There were no negative factors associated so there should not have been any reason for such a large drop in score. The date of this submission is XX/XX/2022 so any photo will reflect as today. For comparison sakes Ive attached my XXXX scores for the same period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Acct # XXXX XXXX XXXX XXXX Amount {$3000.00} I have sent multiple correspondences by certified mail to settle this debt without any written agreement or resolution from Wells Fargo. 

According to the information given to me by Wells Fargo, the date of the last activity on this account was XX/XX/2016. 

The statute of limitations on this debt is six ( 6 ) years in the state of Wisconsin. This debt is out of the statute of limitations and is no longer collectible. 

Wells Fargo has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the debt to the credit bureaus.

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 2020-01-08
Company: Stuart-Lippman and Associates, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Suart-Lippmann, & Associates , Inc. is aware that they are agents of XXXX who is currently under federal investigation ( EEOC ) as per the current case number : " This is a reminder that you have scheduled an interview with the EEOC to discuss the inquiry you submitted online ( XXXX ). Please note the following information about your interview : The interview will be by-phone Time of interview : XXXX XXXX  Date of interview : Friday, XX/XX/2019 At the time of your interview, please have the password for your EEOC Public Portal user account with you. 

If you are unable to keep this appointment, please reschedule or cancel it. 

Sign-in to Reschedule or Cancel Appointment '' As such, any and all debts assigned to this case are to be withheld pending the complete investigation by the EEOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Harvard Collections, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company Harvard Collection has called numerous times. They are asking for someone who does not reside here now or ever! We have had this phone number 4 plus years and my wife and I are the only people here. 

I have asked nicely for the calling to stop, and to remove our number. I was told two phone calls ago the number will be removed. I see that is not happening. 

Please have them stop, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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: Account information incorrect

Complaint:
n accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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 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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Ive been disputing my XXXX account that is on my credit reports. The account has never been paid late ... XXXX has investigated this and corrected it to show as a positive account however upon reviewing my XXXX credit report today XX/XX/XXXX it is still showing as a negative account and will go to positive in the year XXXX. This is hurting my credit with this account reporting incorrectly. I have disputed this numerous times it has never been paid late.

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 2022-04-18
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I communicated to Citibank that a charge to our account appeared on our statement, and that the charge was not authorized by anyone authorized to use the card. The date of the charge was XX/XX/2022, the amount was {$99.00}, and the Merchant/Description was XXXX XXXX NJ. 
I received a letter via XXXX Mail from Citibank, dated XX/XX/2022, thanking me for notifying them of the unauthorized transaction and advising that they would notify me if they needed additional information. 
I next received communication from Citibank on XX/XX/2022 via email. It stated that Citibank had received information from the merchant and needed me to confirm whether or not this transaction was authorized. A copy of the merchant 's response was included as a XXXX page pdf file. 

I responded to XXXX with a pdf of a signed copy of an affirmation that " Neither I, nor anyone authorized by me, made this charge or received any benefit. '' My email included the following statement ; " Please find attached a copy of my signed statement regarding our $ XXXX with Healthreliefproducts XXXX NJ. 
We did not purchase any product ( s ) from this company, nor did we receive any. 
The company in question did not provide information regarding shipping or delivery. 
There is no evidence that this was an authorized purchase or an authorized use of our credit card. '' I next received communication from Citibank on XX/XX/2022 indicating that I had a message in my Statements and Documents folder regarding my billing dispute. I was surprised to read that Citibank had issued a letter dated XX/XX/2022 as follows. 

This letter concerns the transaction described below made with card number XXXX : Date Amount Description XX/XX/2022 {$99.00} XXXX XXXXXXXX NJ We have completed our investigation and found you are responsible for the above referenced transaction. Your account will be rebilled based on the following : The merchant provided documentation confirming this is a valid charge. 
We have enclosed a copy This communication included the same 9 page file submitted by the merchant. The 9 pages from the merchant contained no evidence of what items may have been ordered, no type of billing statement or receipt, no information of mode of transportation of goods or delivery date. 

In summary, this was not an authorized transaction and the merchant does not present any evidence of any delivery of any products being made. I believe that Citibank has failed to properly investigate this matter and has incorrectly determined that I am liable for the disputed charges.

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 monetary relief
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 non-monetary relief
Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/XXXX I went a dealership to finance a car. I expressed to the salesman and also also the finance department that I only wanted to apply to one bank and if I wasn't approved to not use my credit for any other banks. THEY LIED and sought after credit to more than one bank. 
The credit bureaus were suppose to use all of these same date car loan inquiries as one. The following inquiries were not authorized : 1.XXXX/XXXX XXXX XXXX 2.XXXX  XXXX XXXX- XX/XX/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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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 2023-07-18
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 non-monetary relief
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: TX
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 am writing to file a formal complaint against XXXX, XXXX, and Equifax regarding their continuous failure to protect my privacy and their alleged failure to maintain reasonable procedures to ensure the highest level of accuracy, as required by the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to address concerns and rectify inaccuracies in my credit reports, I have encountered ongoing issues with these consumer reporting agencies. The repeated instances of privacy breaches and inaccurate reporting have had a severe impact on my financial well-being, causing undue stress and frustration. Furthermore, their alleged failure to validate their method of verification raises significant concerns about the integrity and reliability of the information they provide. I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action to address the failure of XXXX, XXXX, and Equifax to protect consumer privacy and maintain accurate credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
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 been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
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 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the fair credit reporting act the following XXXX  accounts are violating my rights. 
account # XXXX account # XXXX 15 U.S.C Section 602 A. States I have the right to privacy. 

15 U.S.C Section 604 A Section 2 also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2023-10-31
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:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : NAME : 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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
After checking my credit report I noticed several inquiries that I did not recognize or authorize. I contacted XXXX, XXXX, and TransUnion on XX/XX/2023 via certified mail and brought this matter to their attention. They did not do anything about this issue. I contacted them again on XX/XX/2023 via certified mail again asking them why they did NOT do anything about this situation and if they can show me any proof of who tried to open accounts without my authorization. I did research and seen that there all laws that require the credit reporting agencies to provide proof of why they gave these companies access to my credit report without PERMISSIBLE PURPOSE? Since they have not done what they are required to do, I made sure I filed an identity theft claim with the FTC and am asking the CFPB with assistance with this situation.

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