BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: NV
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:
A XXXX XXXX back when I tried applying for a home through a financial institution, I was denied because of my credit. When I pulled my credit I noticed there were XXXX inquiries that was not authorized or initiated on my behalf. I tried disputing with all XXXX credit bureaus and I was told to go through the original creditor. I sent letters trying to disputing with the creditors and still got any results. The inquires that are reporting on my Experian are ... ... Inquiry : XXXX XXXXXXXX XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ) when I tried disputing these inquires with the XXXX credit bureaus again, I was told to make a CFPB complaint in send in the report and or XXXX XXXX XXXX XXXX XXXX alongside a picture of my ID and proof of address. As of told XX/XX/XXXX, I've yet received the satisfaction of these inquires being removed or even a reinvestigation of my disputes.

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and TransUnion Credit Bureau have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$410.00}

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 2020-07-12
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Today XX/XX/20 Bluebird American Express locked my prepaid card ending in XXXX AFTER an uncharged authorization released to my card after merchant agreed not to charge for non shipped item. Bluebird committed fraud by closing my card in an effort to deny me access to remove my bank debit card I placed on account for balance transfers. 
In a word, this is bank theft by Bluebird.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I been disputing XXXX XXXX since XX/XX/XXXX, XX/XX/XXXX, lastly XX/XX/XXXX I have ask them to to please verify and the information came back verified I have ask them to investigate every detail and it came back verified. How can the investigation of the bureau be accurate when I see a ton of inaccurate information. The consumer agenices HAS VIOLATED MY CONSUMER RIGHTS UNDER THE FCRA. 

15usc1681b permissible purposes of reports. ( 2 ) in accordance with the written instructions of the consumer to whom it relates. The consumer reporting agency did not get my consent to be furnishing this embarrassing alleged debt. They have no respect for my privacy 15usc 1681 ( a ) ( 4 ) 15 u.s.c. 1681s-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES Duty of FURNISHERS of information to provide accurate information ( a ) prohibition-reporting information with actual knowledge of errors -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. 
Than after I ask the consumer agenices to investigate the report they verified as accurate and update the actual payment which was $ XXXXincomplete Historical account history which is inaccurate making the day of first delinquency inaccurate in the remark they didn't didn't put consumer is disputing this account on the account history XX/XX/XXXX is missing, their no credit limit, no high credit, date of last activity is incomplete. 
15u.s.c 1681a ( e ) the term " investigative consumer report " means a consumer report portion thereof in which information on a consumer 's character, general reputation personal characteristics, or mode of living is obtained through personal interviews with friends or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. Consumer agenices failed to do so. With all this inaccuracies on my report after a investigation consumer agenices to assure maximum accuracy I counted 13 on this account 15usc1681e Compliance procedures whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to ASSURE MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 name is XXXX 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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I noticed there had been misleading credit inquiries added on my credit I'll like to have remove! None of these hard inquiries were authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have reached out on different occasions to address the different companies listed on my credit report that should be reporting positive and not negative because they were filed in a XXXX XXXX bankruptcy. I need this information corrected as quickly as possible. The following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept. of EdXXXX There is also alot of closed account that are outdated that should have been removed from my credit report. XXXX XXXX XXXX, Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-07-18
Company: Experian Information Solutions 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX please 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 2022-11-15
Company: Colony Brands, Inc.
State: MS
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: Card was charged for something you did not purchase with the card

Complaint:
I got my credit pulled to apply for a personal loan and was told that I had several credit accounts on my credit report. I was alarmed because I never applied for credit at any of these companies. When this person showed me the companies listed, I immediately knew that I was a victim of Identity theft. I went to the police department and filed a fraud and identity theft report on these companies. Montgomery wards, seventh avenue, XXXX XXXX XXXX and an XXXXXXXX XXXX  XXXX cellular account. I never applied to any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-10
Company: WELLS FARGO & COMPANY
State: NC
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:
Sometime in XXXX, I was given a Jewelry Credit Card account with Wells Fargo and this account was shown on my dashboard for all of my accounts. Within a few months, Wells Fargo closed that line of credit, but I still continued to have a balance. I continued to pay on that balance for the next several years. It was a monthly payment that I thought would be good for my credit history. 

In XX/XX/XXXX, there was an occurrence that I guess I missed a payment. I was unaware that I had missed a payment and I don't remember seeing anything on my emails, dashboard or anything that said I was due. I know that I'm most definitely wrong, and that I most likely missed the month of XX/XX/XXXX in terms of what should have been a ( {$45.00} payment ), but I'm hoping and pleading with Wells Fargo that they grant me a 1x removal of that 30 day late entry on all three of the credit reporting agencies. 

I've since paid off the account and closed it ( as of XX/XX/XXXX ). I have also taken necessary " auto-pay '' features on all of Wells Fargo accounts I own so that I never miss another payment to anything. This one time removal I know is not something that is typical, but this entry is preventing me from pursuing a refinance loan thru the VA on my home and would really appreciate the courtesy and goodwill gesture. 

I've attached the screenshot of the reporting. I no longer know the account number associated with the file since the account is closed.

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 2023-11-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely EQUIFAX, XXXX AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/2023 XXXX XXXX XXXX arbitrarily closed my checking, savings, and credit cards account. I had been a client of 20+ years. 

They did not provide me with an exact reason as to why, though this recent XXXX XXXX XXXX article is the citation I found myself in XXXX XXXX XXXX XXXX As a result of their actions I had to open new checking, savings, and credit card accounts at new banks. 

Also, and more importantly, due to their actions, my credit score has declined from a solid. 815 to around 770. 

It is now more expensive for me to acquire loans, credit cards, etc. 

I feel my credit score should be restored to its XXXX value.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm 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 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 non-monetary relief
Consumer complaint received 2022-10-15
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX .... Balance : {$2300.00} ; U.S. DEPARTMENT OF EDUCATION XXXX .... Balance : {$570.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Genesis FS Card Services, Inc.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
My soon to be ex-wife took out several credit cards and loans out in my name, and now has me {$30000.00} in debt. My credit score is destroyed and i have debt collection agencies constantly trying to get money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chexsystems wrongfully misreported one of my accounts. Their system stated that I had closed an account ending XXXX, owing {$460.00} to XXXX on XXXX of 2017. When I check with the bank they said that I did not owe anything and that they would write me a letter stating so. I am still a customer of XXXX, and I was surprised that this would even happen, especially since I have been with this bank for over 15 years and that this so called debt which is inaccurate happened in 2017. That year I lost my bank card associated with XXXX, so we closed the account to prevent misuse ; When I called the Chexsystems a robot gave me an webpage to go to. This company provided no live person to speak with about this serious error on their part. I submitted my complaint via web, but got no confirmation number or anything to prove that I demanded that they fix the error on their reporting. 

The government should require that Such financial behemoths provide a live person to deal with such matters that so pervasively affect the lives of so many. 

When you tried to reach them, it is like trying to communicate with a mountain. You dont know if it even hear syou. Yet it can ignore you and drastically affect you negatively. 

I want Chexsystems to get back to me promptly and fix this wrong information on my record. 

Until they fix it I cant open another account. Why did this take so long for me to find out about this? I dont know. 

Who put this horrible company in charge anyway? The consumer alone can not fight this corporate dictate. 

Please help.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is XXXX XXXX XXXX please 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