BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C.1681 Section 602a states that I have a right to privacy.

15 U.S.C.1681 Section 604a Section 2 states a consumer reporting agency can not furnish any account information 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 2020-06-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
This is a very simple complaint. I am disputing accounts on my credit report that do not belong to me or I believe are erroneous. I did so well over 30 days ago and I have not received any notification from anybody. I thought I already submitted a complaint through you but for some reason I haven't received a response yet. I will chalk it up to user error but I am wanting to file this complaint again just in case. 

This goes against all three credit bureaus. My disputes were submitted on XX/XX/XXXX then XX/XX/XXXX and nothing. If I don't get a response soon I will have to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am writing this letter to get a meaningful resolution to my continuing issues with Wells Fargo Bank. This has been going on since XX/XX/XXXX. They have lied in court and on an affidavit and at least one case my checks was processed without an image to verify that the check was processed correctly ( it was scanned- I was told by my Bank representative ). After this happened I started sending my payments electronically, which I originally had done at the beginning of the loan. 
I had to write the FBI along with contacting The Federal Reserve Consumer Division even to get a printout of payments made to Wells Fargo Bank from Wells Fargo Bank. I got the printout in XX/XX/XXXX. 

Wells Fargo had required test payments to be made by mail and they started out wanting the payments to be made by mail in check each month beginning in XX/XX/XXXX and ending in XX/XX/XXXX by Wells Fargo Bank refusing payment in XX/XX/XXXX. When we went to court in XX/XX/XXXX, Wells Fargo claimed that they had not received payments, but that was proven to be a lie with me presenting my Bank statements. The next test period that Wells Fargo wanted, I refused to mail in the the payments but instead I made them electronically. Again Wells Fargo Bank refused the payment. Again, Wells Fargo claimed they were not being paid and then I requested from my Bank a printout of all payments. The printout was submitted in my affidavit in XX/XX/XXXX. The payments that were paid to Wells Fargo per their instructions was followed but I had not paid through regular mail in check. 

The payments that Wells Fargo received in XX/XX/XXXX before their original filing by them for a foreclose in XX/XX/XXXX. Wells Fargo had claimed that they had not received these payments. Proven false, and by finally getting a printout from Wells Fargo Bank in XX/XX/XXXX, that they had received payments. Those payments were placed in the Florida unclaimed funds account and I received notification of this by independent accountants writing me by mail. The notification of the funds being available was this year XX/XX/XXXX. 

I have tried to pay Wells Fargo and bring the mortgage back on track, but Wells Fargo has continually refused payments, even when they were negotiated. Wells Fargo has issued false claims and lied in court too. One more thing, Wells Fargo in XX/XX/XXXX sent an agreement that tacked on {$40000.00} without an explanation and it came after the letter to the FBI. 
Thank you and your office for any help that can be given in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-11-05
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:
The Bankruptcy on my Experian report should be removed immediately, it is unlawful to have a third party furnishing the wrong information on my credit report. 
As it can be seen, nothing showed that I have debtors/creditors/collectors that are included in the BK what so ever, therefore it has to be removed ASAP. 
The Bankruptcy courts do not affiliate with credit reporting agencies as I was told in writing from the court itself, and I have shown you the proof before. 
Should you not remove this frivolous action reported on my credit report, I will have to contact the court to order Experian for a removal, and I will file a lawsuit against your Bureau for the all the years and damages that was caused to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This constitutes a breach under 15 US Code 1681s-2, which outlines the responsibilities of entities providing information to consumer reporting agencies. Their failure to furnish me with a written notice about the account prior to its reporting constitutes a violation. Consequently, I insist on the removal of the account from my credit report, as I contest the debt they assert I owe. 

Moreover, they have infringed upon my rights stipulated in 15 U.S. Code 1681b ( 2 ), governing permissible purposes of consumer reports. This breach occurred through the unauthorized reporting of the account and the improper usage of my social security information. In light of my identity theft victimization, 15 US Code 1681c-2 necessitates the blocking of such data without my explicit written consent. 

Per the guidelines of 15 US Code 1681a ( 4 ), consumer reporting agencies are obligated to uphold my privacy rights. Regrettably, this right has been violated by their public dissemination of my information, an action for which I never granted your organization authorization. 

I demand the immediate deletion of this account 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 2021-10-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-07-26
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:
Transunion had done nothing to correct my Credit Report and remove the Fraudulent Information completely from my File. I have been sending countless letters appealing to the Credit Bureaus to verify the disputed items and remove them if unable to prove that the Items are mine. I have been a victim of Identity Theft and The items I am disputing do not relate to any transaction that I have made or authorized. Neither did I received any possession of goods, money, services, nor benefits from the Theft of my Identity. I reported the theft of my identity to the Federal TradeCommission and I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Report and the Police Report that I have filed on my local police department. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Transunion about the theft of my Identity and that the items were never mine, Transunion never cared nor paid any attention to my Disputes. Transunion became negligent of the FCRA law and continued reporting these information on my File without Proper Verification nor Investigation. I came to a conclusion that the Credit Bureaus are not afraid to break the Federal law thus they chose to be lazy and neglected my appeals. I am tempted to take legal action against Transunion but I will be generous enough to give them couple more chances to prove me wrong about my conclusion. Once again, I am urging the Credit Bureaus to remove the following items completely from my File with or without proper verification since the time given to the Credit Bureaus to investigate was already over. I need the following Items removed now! 

XXXX XXXXXXXX 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 2021-05-11
Company: Green & Sons Agency, Inc.
State: UT
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:
Outsource Receivables is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If Outsource Receivables is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions 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:
Re : Complaint against Experian, XXXX, and XXXX for Reporting Multiple Incorrect Name Variations on My Credit Report in Violation of My Religious Rights Dear Sir/Madam, I am writing to file a formal complaint against Experian, XXXX, and XXXX for XXXX multiple incorrect name variations on my credit report, which not only creates confusion but also conflicts with my religious beliefs. My legal name is XXXX XXXX XXXX XXXX, as evidenced by both a court order name change and an authenticated birth certificate. However, the credit reporting agencies have been reporting multiple name variations, such as XXXX XXXX XXXX XXXX and others, which is not only inaccurate but also inconsistent with my religious rights creating my soul being shared with multiple people and me not having XXXX. 
These multiple name variations on my credit report have created the appearance of multiple individuals, causing challenges in obtaining credit, as well as other financial and personal hardships. This issue has also caused me emotional distress, as my religious beliefs are an essential aspect of my identity. I have attempted to resolve this issue with each credit reporting agency individually but have not received a satisfactory response or resolution. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information in consumer reports. The incorrect reporting of multiple name variations by Experian, XXXX, and XXXX is a violation of the FCRA. Additionally, it is crucial to respect my religious rights, as protected by the First Amendment to the United States Constitution. 
I am seeking the following remedies : 1. The immediate correction of my name on my credit report to reflect my legal name, XXXX XXXX XXXX XXXX, and the removal of all incorrect name variations. 
2. A written confirmation from each credit reporting agency confirming the correction of my name and the removal of incorrect name variations.

3. An updated copy of my credit report from each credit reporting agency showing the corrected information. 
I have enclosed copies of my court order name change and authenticated birth certificate as proof of my legal name. Please investigate this matter and take the necessary actions to correct the inaccurate information on my credit report while honoring my religious rights. 
I appreciate your prompt attention to this matter. If you require additional information or documentation, please feel free to contact me at [ XXXX ] or [ XXXX ]. 
Sincerely, [ 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 2020-06-19
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
American Express has contacted immediate family members about my credit card debt. They have told them I have outstanding debt and what the balance is. As they are not co-signers on the account, this is illegal. I can not believe American Express would resort to illegal business tactics. They called immediate family ( a different phone number than mine, and yes they have my current address and phone number on file ) in XXXX and XXXX of 2020. I reserve the right to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: SUNRISE CREDIT SERVICES, INC
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received correspondence from Sunrise Credit Services , Inc., asserting a past due amount of {$12000.00} allegedly owed to them by XXXX XXXX Per their communication, my name and Social Security Number were linked to this purported debt. However, I adamantly declared this as fraudulent activity, emphasizing that I have never been a XXXX XXXX XXXX XXXX and have not authorized the use of my personal information for any educational financing. 

In response to their notification, I promptly contacted Sunrise Credit Services on XX/XX/XXXX, to dispute the claim. Following their advice, I filed a police report and submitted an Identity Theft Report through the Federal Trade Commission ( FTC ). All required documentation, including the FTC theft report, the police report, and a comprehensive letter outlining my entitlements, were sent to Sunrise Credit Services on the same day.

Regrettably, my attempts to seek resolution have been met with silence. Despite several follow-up attempts, the agency has failed to provide any meaningful information or acknowledgment of my documentation. On XX/XX/XXXX, during a follow-up call, a representative claimed ignorance regarding the status of my case and promised to escalate the matter to their manager, XXXX XXXX XXXX 

Disconcertingly, when I contacted Sunrise Credit Services in XX/XX/XXXX, no additional information was forthcoming. The lack of communication persisted until XX/XX/XXXX, when I received another collection letter. Despite my continued efforts to resolve the issue, including phone calls and inquiries, the agency has remained unresponsive. 

In a recent conversation with a representative, I raised concerns about the agency 's non-compliance with the federal Fair Credit Reporting Act, citing their failure to provide requested documents. Shockingly, the representative asserted that my request for documentation implied acknowledgment of the debt 's legitimacy. This distorted interpretation further underscores the incompetence and lack of adherence to regulatory guidelines exhibited by Sunrise Credit Services. 

Given the protracted nature of this unresolved matter, spanning almost three years, I am compelled to bring this case to your attention. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and take appropriate action to ensure the rights and protections afforded by law are upheld.

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 2023-11-08
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Attached are a letter I wrote to Chase, and a copy of the XXXX XXXX XXXX they provided me. 
You will see that there is NO mention on the XXXX XXXX XXXX, that the credit card must remain active in order to utilize the XXXX XXXX XXXX. 
Chase should clearly state the terms of usage on the XXXX XXXX XXXX. It is the main written contract the customer pays attention to, and has from them. They can not provide one terms of service, and then another, different one ; and have the option of choosing which one they prefer to utilize.

They should be help accountable for their false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: MI
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 XXXX  my loan XXXX were listed by XXXX XXXX a scam artist at my property XXXX XXXX XXXX XXXX, mi XXXX he used it on an hud contract and I notice the broker with hud appeared to have an XXXX style name too that conducted the contract. 

To Hud, Please explain your involvement with property XXXX XXXX XXXX and loan number XXXX to the consumer financial protection bureau and to, XXXX XXXX XXXX XXXX. 
ssn # XXXX Address, XXXX XXXX XXXX XXXX. XXXX, MI XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: U.S. BANCORP
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company is attempting to collect on a debt from an overdraft bank account from US Bank. This account was closed in 2006 and during this time US Bank failed to investigate this fraudulent overdraft. 

In XXXX, XXXX XXXX contacted me by phone stating this said debt. I ask for a statement of this debt and they sent me one, received in XXXX. 

This statement contains coercive language and wording to make a person pay on their said debt. 

In my opinion, US Bank is using XXXX XXXX as a front to collect an improper debt and not be held accountable for this illegal action. 

This statement from XXXX  can be uploaded to your office.

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