BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: SC
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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

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 2022-11-20
Company: EQUIFAX, 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: 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 XXXX5 USC 1681.Verifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXHave violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other 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: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within XXXX  days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. XXXX just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

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 2023-09-09
Company: Experian Information Solutions Inc.
State: FL
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other 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 of 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 explanation
Consumer complaint received 2023-05-05
Company: Self Financial Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Hello! On XX/XX/XXXX I opened up a loan with Self Financial Inc of {$1600.00} that specifically stated how I would have roughly 12 months to pay off. I opened this account because it was to build up my credit, they would first have me pay off the loan amount and then send out the payment to me. They then offered me a secured credit card, which I opened up and deposited a portion of the loan I had already given them. This resulted in my new payout amount dropping from {$1600.00} to {$980.00}, again this was due to the fact that I funded the secured credit card with the deposit I had initiated with the money I had already given them. I would have to pay a minimum of {$140.00} a month, however, I finished this loan early on XX/XX/XXXX, and they responded with an email saying how they would send out my loan payment through direct deposit and that its arrival date would be XX/XX/XXXX ; the amount of {$980.00}. I never received the payout on XX/XX/XXXX and I emailed them several times, they asked for a series of documents proving my identity which I sent out. This included my XXXX passport, social security number, Social Security card, bank statements, a picture of my debit card, and more. They said that they were going to close my account if I did not send them the documents and that they would not send out my payment either until I sent them said documents. However even then, they said I would have to send them a state-issued ID and my driver 's license, which I don't have. I have no trouble acquiring a state issued ID at this point, but I decided to do some research and I saw that many many people were dealing with the same issues as I was, even though they sent every form of ID that was asked of them to do so. Their rating on XXXX  was almost a 1 star, I wish I did my research earlier on. I don't believe this is fair because they seem to have no trouble asking me for these before I opened up an account, but somehow they need it for when they're supposed to pay me back now?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: NJ
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED 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

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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 rigts to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 USC 1681 Section 602A, states I have a right to privacy. 15 USC 1681 Section 602A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 ( a ) ( 5 ) Section 2, 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 conviction of crimes which outdates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 explanation
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: MA
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:
I hope this letter finds you well. I am writing to seek assistance from the Consumer Financial Protection Bureau regarding ongoing issues I have been experiencing with Experian, XXXX, and XXXX. Despite my repeated efforts to dispute late payments and incorrect information on my credit reports, I have encountered significant challenges in rectifying these errors. 
I believe that I have been subject to unfair treatment by these credit reporting agencies, as my attempts to correct inaccuracies on my credit reports have not yielded the desired results. I have diligently followed the procedures outlined by the credit bureaus, including submitting dispute letters and providing supporting documentation. However, my disputes have often been met with delayed responses or dismissive actions, resulting in continued inaccuracies on my credit reports. 
The inaccurate information on my credit reports has had a detrimental impact on my financial well-being, affecting my ability to secure loans, obtain favorable interest rates, and even secure employment. Despite my efforts to maintain responsible financial practices, these errors have unfairly tarnished my creditworthiness. 
I kindly request that the Consumer Financial Protection Bureau investigate my case and intervene on my behalf to ensure that Experian, XXXX, and XXXX rectify the inaccuracies on my credit reports promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that your organization is committed to ensuring fair treatment for consumers like me, and I trust that you will take the necessary steps to address this matter. Please inform me of any additional information or documentation you may require to assist in resolving this issue. 
I appreciate your prompt attention to this matter and your commitment to upholding consumer rights. I look forward to a timely resolution and the restoration of accurate information on my credit reports. 
Thank you for your assistance in this matter. 

Sincerely, 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 2023-10-06
Company: Experian Information Solutions Inc.
State: NJ
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX, I was logged into my Wells Fargo account. There was a banner that said something along the lines of " Do you need mortgage forbearance? Click here to learn more. '' I didn't need it, but I clicked anyway out of curiosity. Unfortunately, that simple click notified me that I had been put into forbearance. I called Wells Fargo repeatedly ( after staying hold for at least 30 minutes each time to get a hold of someone ) to ask them to remove the forbearance as it wasn't necessary for me at the time. Each time I spoke with someone, I was assured that there was no risk to my credit and that they " simply moved the payments to the end of the loan term ''. I still tried to get it removed to no avail. 

Fast forward to now, XX/XX/XXXX and I am trying to refi my mortgage through another broker. I am now being told they won't consider offering us a new loan because of said forbearance. This will cost me real dollars as it was a no-cost loan at a much better rate than I have now. 

I've since learned that Wells Fargo was being paid by XXXX XXXX  and/or XXXX XXXX to put customer into forbearance.

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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion is constantly ignoring my letters to remove items that are not mine.. its a bit overwhelming at this point.

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 2023-09-10
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Paypal Holdings, Inc
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have a friend who I routinely lend money to, and they quickly pay me back. So When I got a message from them asking to borrow {$200.00} I thought nothing of it. Unfortunately, my friends XXXX account had been compromised. 

In this message, they asked me to send {$200.00} to XXXX XXXX on Venmo. I asked about the different name and they said they were a friend and their accounts were locked up. This seemed fitting with my friend so I didn't consider it was fraudulent. 

It was only after Sending {$200.00} from my Venmo account XXXX XXXX to XXXX XXXX that I was made aware of the Fraud. 

I initially filed a complaint with venmo and they said " Hello XXXX, Unfortunately, based on the information you've provided, it sounds like the person you were transacting with did not fulfill their end of the transaction. For resolution, we recommend that you reach out to the recipient of the payment, as we are not able to provide reimbursement or mediation in this instance. '' Since that did not work. I filed a complaint with my bank XXXX who is backed by XXXX which is a FDIC insured organization. This is what they said. 

" Hi XXXX, We understand how frustrating transaction errors can be. Unfortunately, we are unable to file a dispute unless a billing or merchant error occurred. Since you initiated the transaction and it was executed accordingly, we are not able to file a dispute claim on your behalf. '' I just need my {$200.00} back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : Account number XXXX XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The XXXXhree credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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