BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXXXXXX XXXX, XX/XX/2019, {$1500.00} XXXX XXXX XXXX XXXX, XX/XX/2019, {$20000.00} XXXXXXXX XXXX, XX/XX/2019, {$5900.00} XXXXXXXX XXXX, XX/XX/2019, {$1300.00} im requesting to have all negative items removed due to fraud activity. 
i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my Transunion report that I did not give consent. They are unauthorized and not for my benefit. Pleas block and remove the following : XXXX XXXX Inquiry date XX/XX/2023 XXXX  Inquiry date XX/XX/2023 XXXX XXXX Inquiry date XXXX XXXX, 2023 XXXX XXXX  Inquiry date XX/XX/2023 2023

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 2023-06-06
Company: Experian Information Solutions Inc.
State: KY
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX 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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX have violated my rights 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 an 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 2021-11-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
listen I have reached out via phone, mail and the CFPB and yet I am still being violated. These accounts are inaccurate and effecting me negatively. I have not benefited from any of these companies nor accounts and demand that they are deleted.By law you had 30 days to respond and I have heard nothing not a peep. I need this situation handled like yesterday my attorney generals office has informed me to report one last time before starting legal help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed multiple disputes with transunion XXXX  and XXXX  about this bankruptcy that has been showing on my report for I'm not sure how long. I have notified them over and over about this docket and they keep telling me to contact XXXX a company that is reporting information to them. I called XXXX XXXX in XXXX 2020 to request a report and once I received the report I saw the bankruptcy and immediately disputed the information. They sent me a correspondence stating the bankruptcy is some how " verified '' so I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ). Which states that : a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I have not recieved any corresponding information from XXXX to determine the validity of this alleged bankruptcy on my file. I have already been notified of my mixed file by the 3 bureaus and XXXX refuse to remove this inaccurate information in my file. Also XXXX are in violation of fcra 616, 617 and 611 ( a ) ( 6 ) ( B ( iii ) refusing to reasonably investigate and refusing to remove this unverified inaccurate and false information from my file.

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 2019-04-17
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: IA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Professional Bureau-Collections Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX Phone : ( XXXX ) XXXX the creditor that for my student loan debt. I called in XXXX XXXX to set up a payment plan and see what I needed to do to get out of default They told me {$100.00}, and I set up a recurring payment from my checking account. I paid on time, every month for 6 months and then i recieved a letter stating that my federal taxes were being OFFSET due to non payment. I paid on time and the amount they told me to pay. I would have been paying more if i knew. I filed a complaint and asked for a hearing with XXXX XXXX XXXX XXXX, I contacted this collector and mailed in my pay stubs, my lease, copies of all my bills, social security cards and every single documentation that they could possibly need in XX/XX/XXXX, still no response. I call at least twice a week and sit on hold and then am redirected to another useless person who gives me a different response and a different way to handle this. I just want to set up the correct payment and these people have been absolutely horrible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my XXXXXXXX XXXX from the US Treasury in XXXX and there was nothing hold placed on the check. I deposited my check for the same amount on XX/XX/XXXX and was told there would be a 24 hour hold. Now my account shows they are extending the hold until XX/XX/XXXX. I see in most cases a hold on this type of payment is released within 24 hours. I checked their parent company which shows they like to Float checks/payments. I guess BOA is into Floating on government checks due to people who really need the money.

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 monetary relief
Consumer complaint received 2019-04-17
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX/XXXX XXXX XXXX {$830.00} XXXX XXXX XX/XX/XXXX {$530.00} I pulled my credit in XX/XX/XXXX and i noticed accounts that were on my credit report that were not mines. I reached out to each credit card company as well as all 3 credit bureaus and reported i was a victim of identity thief. Each company request i fill out and fax back the affadavit form they mailed out to me which i did and also attched a copy of my FTC report as well. I also wrote dispute letters to them and the credit bureau asking for original proof with something with my signature on it. the credit card companies sent me a copy of monthly statements that i nevered recieved before.I also recieved a letter from XXXX saying that that account was open fraudulent and that it was gon na be removed then they changed their minds about it. The credit bureau hasnt sent me any proof with my original signature on it as well, but keep saying the account is varified. Ive been dealing with this issue since XX/XX/XXXX and i havent recieved any original documents or my signature saying these accounts are mines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I called Chime letting them know my phone was stolen that had my account info. They updated my new cell number and gave me access to online at XXXX. At XXXX the person who had my phone called changed it all back to the phone they had. Locking me out of my account again and this time until XX/XX/XXXX. 

On XX/XX/XXXX O had to dispute {$640.00} ( Dispute number XXXX ) I reached out as well to the merchants I was disputing and received documentation from XXXX that they agreed is was fraudulent charges and refunded me. 

Chime refuses to give the credit to my account until their investigation is over. With those XXXX merchants refund o could pay Mty light bill and not be on the dark with no electric, and the rest of my rent so I don't have to be homeless. For a week i have been told I'm top priority and within XXXX hours my credit will be in account. Still I wait and now my landlord has filed eviction paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Kikoff 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: Information belongs to someone else

Complaint:
I requested a free annual credit report. I noticed there was an account on my report from a company called kikoff sports wear credit. I have called this creditor several times to let them know this is fraud and needs to be removed. They have told me several times they will investigate but as of today they are reporting it on my credit report as late payment charge off. This is hurting my credit. This company will not work with me and remove this fraud account off my credit. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : XXXX, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, 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 XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, 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 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.

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 2024-01-10
Company: Experian Information Solutions Inc.
State: OH
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 strongly desire not to have this on my credit report. It is not belong to me. It 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 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ive been a XXXX. XXXX for over 12 years. The {$35.00} overdraft fee has took it's tole. Sometimes would take 2 days or three days to repleanish funds. No ryhme or reason.

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 2021-02-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax has my name incorrectly showing on my credit report. I called XX/XX/2021 spoke with man asking him to correct my name. He told me to send copy of DL and social security card with my correct name and a cover letter stating the issue and what I wanted and to sign and date the letter. This was done and mailed to the PO Box address the man gave me. XX/XX/XXXX I called Equifax to see why my name had not been corrected yet. Lady told me I first had to verify a few things. I gave this lady my name/address & SSN as well as my cell phone number. Lady then said I had to verify more things and proceeded to ask me for all of my past employers and all past bank cards/loans/department store cards etc ... .this went on for over five minutes and I became suspicious as Id never had to give anyone that kind of information or that much information ever. I felt like my privacy was being very violated so I told the lady this seemed wrong to ask me all that personal information and ask to speak with a supervisor. The lady then said they had not received my information that I sent on XX/XX/XXXX. I verified the address I was given to send this information to and lady said yes that is the correct PO Box XXXX I then told the lady I had never in my life used the name they are reporting on my Equifax credit report and its their error so they need to update to my correct name. Lady said to call back couple days. We hung up and I called different Equifax number to inquire if this was proper protocol when they verify a consumers information. Went over issue with man who verified a few things then said hold and call disconnected. I called back spoke with different lady about this issue she said would note disputed and my name could possibly get corrected from her noting the dispute on file and to call back couple days to see if they had received the information I mailed them. Basically this would entail me being on the phone another hour and a half to resolve nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: FL
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 2021-07-21
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:
I have noticed some inquiries that I did not consent to, authorize, nor benefit from these. I reached out to try to get these removed with the creditors and the credit bureaus but with no success. Please see the following FTC report I sent to the three bureaus and never received a response.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I did a business equity line of credit with my house as a collateral, as I paid for XXXX years and I saw the balance wasnt going down in XXXX  it was fixed however things didnt go well and I was forced to closed the business now Im at risk to lose my house

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 2021-06-14
Company: EQUIFAX, INC.
State: MA
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:
I have 2 XXXX accounts, one was with XXXX XXXX the other was with XXXX ... both of these accounts were with a collection agency XXXX XXXX. In XXXX of XXXX XXXX XXXX sent in a request to XXXX to remove all tradelines on my XXXX account..in XXXX of XXXX XXXX XXXX  sent in a request to XXXX to remove all tradelines with XXXX XXXX ... .as of now this has not happened. Both of these accounts are still being reported as derogatory. Spoke to a XXXX representative and she stated that there is a dispute and in XXXX I will get my results, I explained that I am not calling about the dispute and that my call was in reference to why these accounts are being reported as derogatory when the request was to remove all tradelines in XX/XX/XXXX and XXXX of XXXX, first stated she didn't see these request, then she did, very confused and was not certain of her statement, i called back XXXX XXXX and asked them if the credit bureaus did an investigation on tradeline remarks being removed and she said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: Texas Guaranteed
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX XXXX XXXX  - Texas Guaranteed Student Loan Corporation executed several federal XXXX XXXX Master Promissory Notes between XXXX XXXX  ( lender ) and XXXX XXXX ( borrower ). The loan includes a 100 % origination fee to the student loan request which is considered predatory. Additionally, the university had an 18 % student default rate at the time of the loan. The borrower was unaware of the default risk until after the loan was executed and transferred to the US Department of Education. As a result, the borrower has never been able to keep up with the unfair loan services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation