BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: NC
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:
Below I am copying the information that Experian keeps reporting, no matter how many letters or calls I have made to have this information removed and updated correctly. 

Each time they say updated, they change the date of last activity. This is illegal. 

Not one of the bureaus has sent me any information on how they verified anything. Now, since my last letters to both XXXX  and Experian, XXXX  has deleted this account. I sent a follow XXXXuite letter to Experian and still not even a response. XXXX  never was able to verify or send me any information. I have been disputing the information below that is reporting inaccurately since XXXX of XXXX. 

I have sent letters and certified letters and all I get from Experian is updated. Updated to what? They update nothing and just type the same information over and over again. I get no responses at all from none of my letters from Experian. I get a letter or post card that states how they investigate, yet I get no proof of documentation or validation. All bureaus are not contacting the creditor to get accurate information. 

I mailed letters out XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting information be removed or cleared up. 
All the information is conflicting and no-one wants to help. I feel unvalued as a consumer, and violated. I have sent additional letters to all three bureaus as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Absolutely no updates or removal. Still reporting inaccurate information and also is causing me credit worthiness. Reports are showing derogatory debt.

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 2023-12-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Transworld Systems Inc. sent a collections notice for an unpaid invoice. I am trying to fully satisfy the amount owed. Their online system allows for a one-time payment option, however when trying to use that option, payment fails because " the EmailAddress field is not a valid email address. '' No where in that one-time payment process was an email even requested. I tried to call them on the only phone number listed on the notice ( XXXX ). When connected, the automated greeting does not advise that you are calling Transworld Systems Inc., just that the next available agent will be with you shortly. Once connected, an agent named XXXX was to assist me once I provided the Account Number. I did so and she simply repeated herself 3 times before terminating the call. This happened 5 more times until I called back a sixth time and spoke with another agent. When I provided the account number she advised that she was unauthorized to take any action on this account. She attempted to transfer me to someone who could assist, but was unable to connect me and provided me another number ( XXXX ). I called that number 6 times and each time was disconnected after the automated recording. I called back, was hung up on by XXXX another 3 times. Once connected to the same agent as earlier, I advised her that the number she gave me disconnected me the 6 times that I tried to call. She advised she would try to connect me with a person who could assist. After waiting on hold for 15 minutes or so, I was connected with someone to whom I voiced my concerns and was trying to help me get this issue resolved, however I was told that " a code needed to be changed '' so she could take payment on this account. She advised that she put that request in with her supervisor so that I would not have to be transferred again. Then I was disconnected again. I called the XXXX number back 4 times until I was connected with XXXX. He was able to assist me without transferring me or requiring supervisory approval. 

This runaround took the better part of an hour, all for a {$39.00} balance that I wanted to just resolve in full. I am beyond frustrated with these deceptive tactics first by not having a system that actually allows for payment to be easily made. Second by not identifying the company in the automated greeting. That made me feel like it was a scam. Third, getting the run around from the call center and not being able to assist with anything on the account and being hung up on or disconnected when I was to be " transferred '' to someone who could assist me. No consumer should be strung along for the better part of an hour just trying to pay something, being told someone couldn't help, not getting connected to the right people and continuously being disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions 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:
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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 non-monetary relief
Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
there are several charge offs that is on my credit report that is not suppose to be there. I spoke to several people, multiple letters has been sent and no resolution. please help. 2 XXXX  XXXX charge offs and syncb account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: NV
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 sending this letter on my behalf. I checked my credit reports recently and as I studied law lately, I realized that your agency and this collection agency is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership o

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 2022-02-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX while waiting for my sons XXXX  XXXX, I recieved a call from a number showing Wells Fargo Security and answered and advised that a XXXX XXXX with XXXX XXXX had processed XXXX through XXXX and asked if I had given permission. I advised no. He then identified himself as XXXX XXXX a 24hr fraud monitoring officer who would help me stop the process and put the money back into my account. He then sent a verification code and then walked me through how to block her transactions and put the money back into my account. He then gave me a case number and his badge number advising he would speak with me in 24 hrs. When it was getting close to 24hrs, I walked into my local branch of wells fargo and advised them, the manager told me that they were busy and to call online fraud that it had been less then 24 hrs and they would try to stop the transactions. I called and filed complaint for each transaction as there were 3. I recieved claims. On XX/XX/XXXX I recieved letters dated XX/XX/XXXX from wells fargo advising that the money had been sent as asked and the claims were considered closed. I called XX/XX/XXXX speaking to XXXX who advised me the letters were correct and it was not fraud but a scam. I then requested to speak to or escalate my claim. I was told I would be contacted in 24 hrs as claims do not get delayed. I called again on XX/XX/XXXX as I had heard nothing and spoke to XXXX who transferred me to XXXX who advised me that there is 2 days to acknowledge the claim and they have 10 days to respond. On XX/XX/XXXX spoke with XXXX who advised that ultimately no claim had been filed and closed out the Executive Claim and to call customer care service. XX/XX/XXXX I called back Executive Claim and spoke w/XXXX " XXXX XXXX who helped and placed me on hold but ultimately was dropped. I called back and spoke w/XXXX who then transferred me to customer care and I spoke w/XXXX who then transferred me to higher supervisor XXXX who ultimately told me that the case is closed and there is no recourse and she would not take another claim, she then transferred me to customer advocacy but was disconnected on after over an hour on hold. There is a pending meeting w/local branch manager on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally file a complaint regarding the many numerous attempts I have made to rectify and remove charge off account on my credit file. Despite my repeated efforts, this unauthorized entries continue to persist, adversely affecting my creditworthiness and causing significant distress. 

I have diligently followed your dispute resolution process, submitting the required documentation and providing detailed explanations of the inaccuracies. However, the response I have received thus far has been inadequate, as the charge off account remain on my credit report. 

I would like to bring to your attention the following key points : Despite my consistent efforts to rectify the inaccuracies on my credit report, the fraudulent entries persist, indicating a failure in the credit reporting process. 

This account entries have had a detrimental impact on my creditworthiness, affecting my ability to secure favorable terms for loans, credit cards, and other financial products. 
The responses I have received from your bureau thus far do not reflect a thorough investigation into my disputes, and I remain dissatisfied with the lack of resolution. 

I urge you to conduct a comprehensive and thorough investigation into the fraudulent items on my credit report, including a review of all supporting documentation I have previously submitted. 
Upon confirmation of the inaccuracies, I request the immediate removal of the account from my credit report. 
I expect clear and timely communication regarding the progress of the investigation and the steps taken to resolve the issues. 

I request that your bureau implements measures to prevent the recurrence of such inaccuracies in the future, ensuring the integrity of the credit reporting system. 

If my concerns are not addressed satisfactorily withinthe exact timeframe from the date of this letter, I will be left with no choice but to escalate this matter to the appropriate regulatory authorities and seek legal advice to protect my rights. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7700.00}.

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 2019-02-13
Company: GFS II, LLC
State: MI
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:
Hi, my name is XXXX XXXX and On XX/XX/XXXX XXXX XXXX   ran my credit without permission. Gateway Fncl needs to be removed as well because that case is closed. XXXX also needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number : XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-05-18
Company: AA Recovery Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by phone and text from AA recovery solutions about an allayed XXXX account. They sent me threatening text which I will upload saying if I dont contact them today it will be a direct refusal on my voluntary option meaning to me sue or other extreme measures when they didnt even mail me a letter or validate debt etc. they also called me and used same language with veiled threats they are not licensed in my state to collect debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: TN
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, We are writing to dispute the following accounts that have been reported on our credit report. We believe that these accounts violate the following laws : XXXX. Fair Credit Reporting Act ( FCRA ) XXXX. Fair Debt Collection Practices Act ( FDCPA ) XXXX. Fair and Accurate Credit Transactions Act ( FACTACT ) XXXX. Truth in Lending Act ( TILA ) XXXX. Real Estate Settlement Procedures Act ( RESPA ) XXXX. Equal Credit Opportunity Act ( ECOA ) XXXX. Fair Credit Billing Act ( FCBA ) The following accounts have been reported on our credit report, and we believe that they are in violation of the above-mentioned laws : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX Charge Off account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account We request that you investigate these accounts and provide us with a written explanation of the results of the investigation. We also request that you remove any inaccurate, incomplete, or unverifiable information from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
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:
Some company by the name XXXX XXXX put a collections from XXXX XXXX and XXXX on my credit report on XX/XX/21 and XX/XX/21. I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX XXXX or XXXX. I have had another cable in my for years I have had XXXX as cell company for over 5 years and I do not have a home phone. I want this removed from my credit. I have never heard of you or received any bills from XXXX XXXX or XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information. You have damaged my credit report on 2 occasions. I am not sure how this company obtained 2 items to report on my credit report but I want it removed immediately. I disputed it with Experian who did absolutely nothing and I will be reporting them as well. As I do not know how you can complete an investigation in days. I have also reported the company to the NJ Consumer Affairs.

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: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for XXXX XXXX XXXX XXXX XXXX XX/XX/2023 online, providing all my information including name, social security number, address, years living in the current address, phone numbers- it was a very detailed form. Given all the details, I received a letter from Barclays asking for even more material - drivers license, SOCIAL SECURITY CARD, current utility bill or bank statement with my current name and address - and I was asked to MAIL these to their address, otherwise my application would not be considered further. 

I called Barclays asking for an alternative to mailing these information. 1 ) i was not comfortable mailing such info out 2 ) it's not environmental friendly 3 ) i don't want to pay for the mail 4 ) why is social security card even needed as i've already provided my number. I was provided no options. 

I asked why these extra information was needed - I have 8 years of credit history, my fico score is XXXX, i've been living in current address for XXXX years, my credit report would have supported all information i provided, it doesn't seem like enough efforts were made ( pull my report and check against my info ) before Barclays started asking for more- i was provided with no reasoning.

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 2020-11-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and/or breach of information. The information listed which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and/or breach of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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 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 2023-11-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: In progress