BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: GA
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  Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : USDOE/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXXXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2018-12-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On the day of XX/XX/XXXX, I mailed off a letter to XXXX XXXX XXXX. in that letter was a statement saying that the company agreed to delete/waive a late notice that was marked on my credit report XX/XX/XXXX when they decided to cash a check I also included in the envelope. The check included was in the amount of {$190.00} for the payment of that month. XXXX converted the check to a digital check and cashed it, but the late notice was not removed 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 explanation
Consumer complaint received 2023-06-13
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a prior CFPB complaint that was closed out unsatisfactorily. My account was been changed from a Team Member account to an Everyday Checking account while I am still receiving Wells Fargo direct deposits. My account still shows as a Team Member checking in the system. I am being accessed charges according to an Everyday Checking account but it is still a Team Member account. Please reopen this complaint. I am not satisfied with the research that Wells Fargo completed regarding the matter. It took a month for no resolution. CFPB guidelines require a response within 10 business days.

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 2023-06-29
Company: DISCOVER BANK
State: IL
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. I have been trying to resolve this matter for XXXX with the original creditors as well with the Credit Bureaus XXXX I have contacted several times, by email, phone and mail providing them with legal documents as well. These XXXX accounts are fraudulent XXXX, Discover and XXXX XXXX. I have not gotten any resolution in this matter at all. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
an accordance to the Fair Credit Reporting act XXXXXXXX XXXX ACCOUNT # XXXX AND XXXX XXXXXXXX XXXX. ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
If, in fact this credit card was mine years ago, debt would have been paid at least 13 years ago. They claim I owe over {$17000.00} from an address and card I may have had in XXXX. I have had no correspondence to this ever and I'm not even sure I had a citibank card back then. I have no records any longer and had all credit card and debts taken care of in 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 2023-09-27
Company: Experian Information Solutions Inc.
State: NY
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 convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.

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 2023-06-14
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX Inquiry date XXXX Jpmcb XXXX Inquiry date XX/XX/2021 Somebody used my information to inquiry about a credit card and appeared on my hard inquires i want to get this removed from my credit report hard inquiries. After talking to the credit company itself they found no further information on the matter therefore they told me to write to you guys

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Credit Inquiries were made on my behalf without my permission. Ive submitted this information to all card companies. There are multiple inquiries from the same companies. Companies are 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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 a collection account listed on my credit report by collection company XXXX XXXX XXXX XXXX for original creditor XXXX XXXX. This should be listed on my credit report as my XXXX XXXX account was resolved directly with XXXX and I've never made contact with XXXX XXXX XXXX. My account with XXXX was paid in full with XXXX on XX/XX/2022 in the amount of {$310.00}. I submitted disputes to credit bureaus TransUnion, XXXX, and XXXX. All disputes came back with the result of the debt being verified though I received no additional information. I'm not sure how the debt came back as verified when as stated, my XXXX account was paid and resolved directly with 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 2021-09-14
Company: Experian Information Solutions Inc.
State: WI
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:
I got a XXXX XXXX loan a few years ago. I then called over a month ago to pay off my collection debt of {$520.00}. And now all of a sudden it shows on my collection a balance of over {$3000.00}. I have tried disputing it several times with my receipt showing it has been paid and Experian is becoming no help along with 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 2021-05-25
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved residence and changed utility providers on XX/XX/XXXX, so ended my service with XXXX and made XXXX what I assumed was XXXX my final payment. They failed to mail me any additional invoice or call me with any updates/outstanding charges and I thought that we ended on good terms, since I even returned the equipment and confirmed with one of their store representatives. On XX/XX/XXXX, I saw a collection from XXXX XXXX on my XXXX report for {$55.00}. I immediately contacted XXXX and spoke with XXXX. They ( XXXX XXXX charged me {$55.00} for an outstanding balance from a statement that they claimed was generated on XX/XX/XXXX. I asked the representative if the charge would be removed from collections and she confirmed that it would. I paid said amount in full, via their chat, and she provided me with a confirmation number. I then disputed the collection on my XXXX report and XXXX XXXX removed it, but I can only conclude that they sold off the debt to another third party ( IC System Inc ) because said party erroneously added an additional collection on my report on XX/XX/XXXX in the amount of {$120.00} for XXXX So this creditor was not even attempting to charge the original amount and XXXX failed to update the account information, which was paid in full.

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 2023-09-27
Company: Experian Information Solutions 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:
I am writing this letter with an overwhelming sense of fury, disbelief, and frustration regarding the ongoing presence of fraudulent accounts on my credit report, which have been a constant source of distress and injustice. It has come to my attention that despite my repeated efforts to rectify this grave error, these accounts persist on my credit report, tarnishing my financial reputation and causing severe damage to my financial well-being. 
Account Details : XXXX XXXX XXXX However, despite my diligent efforts and the clear evidence I have provided, your bureau has failed to investigate and rectify this matter appropriately. This XXXX disregard for my rights as a consumer and the damage caused to my financial standing is utterly unacceptable. I demand immediate action to correct this egregious error. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and accurate credit report. It is your duty, as a credit reporting agency, to ensure the information you provide is both accurate and up-to-date. The presence of fraudulent accounts on my credit report constitutes a severe violation of 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 2023-07-20
Company: Driveway Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I checked my contract and called the company over a month ago to check on the process of finalising the loan and obtaining a title agreement and was told that once I paid I would receive my lien release and title in the post. There was no mention of a delay in the time it would take for this to happen. 

I called last week and a customer service representative told me that it would take 8 to 10 weeks for XXXX to process my title. I called back and was told the process could take 4 to 6 weeks. The representatives were rude and at that time I was told I would receive no notification or confirmation of paying this off. 

I paid off the loan on Monday XXXX XXXX. The customer service representative then told me that Driveway finance corp take 21 days to release the lien to XXXX to ensure that they have actually received the funds. I have spoken with two representatives and they themselves are confused as to why the lien is not being released immediately on the electronic lien release system that is required by law in Pennsylvania. 

I have asked for something in writing as this is not in my contract and isnt online. 
I would like my lien release as I have paid for the car in full and need to sell it. The emails have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX  XX/XX/2022 I was charged {$110.00} and the description states transfer to other. I was never notified that this charge would automatically be taken by any certain date. I do not have auto pay setup.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX- I have disputed this collection more than once from all credit bureaus. I also sent a BBB complaint to the original creditor where they in fact adjusted the breakdown even though it was not correct, the credit bureaus are reporting {$1100.00} more than what is owed to the company per their break down. Even though it should be even less than that. I want this removed from my credit as ALLEGED DEROGATORY REMARKS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS. MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ 1,000+ PER STILL UNPROVEN, UNTRUE INACCURATE, UNTIMELY, INCOMPLETE OR ELSEWISE  NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRITING COMPOSITION. The last dispute I submitted I attached a copy of the companies final response showing {$480.00} plus cleaning fee due which in fact is still incorrect as the company overcharged me for 12 months on my lease and they required me to pay a late fee many times when there should have been a credit. Since the Bureus did not valide the debt to it 's intirety as I requested more than once, I want it deleted and removed from my credit report. per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that you are MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that you are deficient of your requisites toreport adequately and a challenge ( or dispute ) is lodged versus any data iformation previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.I demand, as is MY RIGHTS to do so and as is your REQUIREMENT to satisfy, for you to ANNUL by deletion or removal any and all allegations DEFICIENT of PHYSICAL EVIDENCE OF COMPLIANCE to reporting laws much less verified and valid.If you are unwilling or UNABLE to do so in a federally defined TIMELY manner you MUST rectify your infractions by RETURNING TO or retaining federal reporting COMPLIANCE TODAY, even RIGHT NOW.As such, I DEMAND that you CERTIF.ICATE the verification and validity of the following claims or DELETE NOW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: 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:
This is one of my numerous 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, and XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, 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:
The dates on this report are incorrect on when it was last active. This account needs to be removed from my credit report. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhart V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debtt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After notifying Equifax that I am a victim of identity theft, I requested a number of accounts be blocked as they are a result of identity theft. Meaning, I did not authorized sign or agree to their opening. Equifax, presumably accepted my request but without notifying me, converted my request to a dispute instead and have never sent the results of that dispute till this very day. Which is in violation of law. Then 30 days later sent me a correspondence stating they verified some of the information as belonging to me. This could not have been so, as my identity was stolen and used without my consent and knowledge. So my question is, what did Equifax verify? Additionally, Equifax refused to block these fraudulent accounts as identity theft, but they placed an identity theft fraud alert on my credit report. Again without notifying me that they accept my request in part. Lastly, Equifax has a history of refusing me access to my own reports, allowing un-authorized disclosures of my report and creating duplicate files for me and placing negative outdated credit accounts on it, and distributing this information to requester of an accurate credit file. Equifax refuses to block the following accounts and refuses to provide proof that I am the owner of these accounts because they know these accounts are identity theft they just want to continue to get paid for reporting fraudulent information. I am filing this complaint because they are still playing. I am going to sue their XXXX if they dont correct this. Please help me get these fraudulent items blocked from my credit file. Equifax is the only one reporting them. XXXX XXXX**** {$470.00} XX/XX/XXXX XXXX XXXX**** {$5700.00} XX/XX/XXXX XXXX  XXXX**** {$1300.00} XX/XX/XXXX XXXX  XXXX  XXXX  XXXX**** {$0.00} XX/XX/XXXX XXXX XXXX**** {$24000.00} XX/XX/XXXX XXXX  XXXX**** {$24000.00} XX/XX/XXXX XXXX  XXXX  XXXX**** {$24000.00} XX/XX/XXXX XXXX  ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX**** {$62.00} XX/XX/XXXX XXXX XXXX**** {$490.00} XX/XX/XXXX XXXX XXXX**** {$84.00} XX/XX/XXXX XXXX XXXX XXXX**** {$18000.00} XX/XX/XXXX XXXX  XXXX  XXXX**** {$270.00} XX/XX/XXXX Collection/Chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: WI
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 XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A States I have a right to privacy. U.S.C C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore I am NOT liable for this alleged debt with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I DO NOT HAVE NOR EVER HAD A CONTRACT WITH XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX did NOT provide me with the original contract, as I requested several times. THANK YOU!

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