BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: IL
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: OK
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 previously disputed XXXX XXXX XXXX XXXX XXXX and in response Experian verified the item as accurate stating they verified the information with the court. 

I contacted the court, and it is clear they do not report to Experian or any credit bureau for that matter ; therefore the original response verifying the item with the court was either an error or false. 

The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

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 2022-07-23
Company: Experian Information Solutions 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 REFINANCED MY CAR WITH A NEW LENDER ( XXXXXXXX XXXX ) IN XXXX OF XXXX. My old lender was XXXX XXXX XXXX. Experian reported my old XXXX account XXXX XXXX XXXX as closed in XX/XX/2021 with one late payment. Then in XX/XX/2021 Experian reported the account opened again and reported two more late payments when my Account with XXXX was closed and Paid in Full. I have disputed this account several times with Experian and have received no response on this matter. I even sent them an invoice of several violations to my credit file including this one along with an invoice for remedy and a affidavit of truth notarized back in XXXX and I have not received any correspondence. Tracking number XXXX In accordance with the Fair Credit Reporting act. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Experian, XXXX, and XXXX is violating my consumer rights by : Reporting Inaccurate Information on my consumer file which includes 1.Experian is reporting two extra late payments for XXXX and XX/XX/2021 when account was closed since XXXX and Paid. 
2.Experian reported my account closed in XXXX XXXX then reported it opened again in XXXX and added two late payments XXXX is reporting two late payments as well for XXXX and XXXX of XXXX when account has been closed since XX/XX/2021 XXXX. Opened dates are all different for each consumer reporting agency. 
XXXX is XXXX Account status as closed. Experian is reporting as paid. XXXX is reporting as closed XXXX. XXXX is reporting XXXX extra late payments for XXXX, XXXX, and XXXX of XXXX 

Information on all three consumer reporting agencies are all different and inaccurate all across the board. 

I disputed this account several times with all three CRA 's and all three CRA 's stated that my account was properly investigated or they did not respond at all. How is that possible when the open date, payment history, date last active, account status are all inaccurate for all three CRA 's. This is ground for account removal from all three CRA 's and monetary relief because my rights have been violated under 15 USC 1681 section 602 A which states my right to privacy 15 USC 1681 SECTION 604 A SECTION 2 which also states a CRA can not furnish a account without my written instructions. 

Also Experian took more than 30 days to complete investigation and the other two CRA 's XXXX and XXXX did not conduct a proper investigation and didn't respond at all. 
Tracking NUMBER : 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 2023-08-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit 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 have been currently out of state working in XXXX Idaho. I was also visiting my grandma in California as shes been in and out of the hospital. I had two credit cards that were mailed to my old apartment in XXXX Tx. I provided Wells Fargo with my leasing agreement that showed I know longer live there so somebody must have received them. They denied both my claims as they said I verified the charges. My little sisters have played with my phone multiple times so I know I didnt verify them personally. It was two separate charges at two designer stores for roughy XXXX $ each. As soon as these charges appeared on my statement I immediately called Wells Fargo and filed fraud. I havent been in Texas so impossible for me to have done this. Been going back and forth with them providing them with information for months. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I was car shopping but couldnt make a purchase because I do not have a valid license. I submitted an inquiry to speak to someone about the car buying process because I have never bought a car before. I have to wait until XXXX to get my license due to covid. This morning I randomly get an email from XXXX XXXX with rates for a car but I have never talked to anyone. 
I checked my credit and saw six inquiries from multiple banks that I Did not authorize at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 Balance : {$1600.00} XXXX XXXXXXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX : {$510.00} XXXX XXXX XXXX XXXX  Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 2023-03-16
Company: EQUIFAX, INC.
State: TX
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: TX
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 some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} OFFICE OF THE ATTY GEN XXXX Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: SC
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 recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that werent opened by me. This is hurting me during my process of purchasing a home for my family. Please delete these fraudulent accounts from my credit report as soon as possible.

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 2018-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Dating from over 5 years back I have been continually providing and disputing the same issue with not only Transunion but with XXXX  as well. Over 17 times now I have provided with copy after copy of my bankruptcy federal paperwork informing them I had 2 student loans discharged through hardship circumstances of my bankruptcy from 2006 all of my other debt were taken off my reports over the years as they aged off and were also included in bankruptcy al except for these 2 students loans that at many point in time double listed on my credit file. I spent 10 years dealing with the penalty of having a bankruptcy on my file and was finally relieved last year when it finally came off only to be put through a new XXXX because Transunion and XXXX  both keep listing negatively on my credit so I still keep getting turned down because its still reporting as discharged through bankruptcy a full 2 years after I waited for the bankruptcy to age off every time I dispute it they keep re aging the debt I had a Rep yell at me and say why don't I just flipping wait till XXXX till it scheduled to fall off again. This should have ben off my report 2 full years ago instead it cause 11 separate denials of credit and housing. enough is enough

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 2022-11-15
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My payment is due to XXXX XXXX XXXX on the XXXX of each month. My report states that my account is 30 days late when it is not. Today is XX/XX/2021. From the XXXX of last month to the XXXX of this month is only 13 days. My payment is scheduled to come out on my bank account on XX/XX/2021. Even so, that is 18 days and not 30. This inaccuracy took 94 points off my credit report and to be completely honest, I am thinking to get rid of this loan and refinance with another company. This is fraudulent. The date that is showing when they reported was XX/XX/2021. Even so, the XXXX to now is 6 days including Saturday and Sunday. I filed additional complaints with other places including this bank also lying on my auto loan application about my finances and bills. Most of that information is also incorrect.

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 2021-11-30
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I have a rental reservation on XX/XX/2021 at XXXX XXXX. When I arrive at the rental location, there is a huge line waiting for my reserved car, which took me about 2 and half hours to get my car. When it is my turn, the representative told me they do not have a similar level rental car that I reserved, and asked me to wait about an hour to get a car I reserved at XXXX XXXX, which is not reasonable. 

After my complaint, the representative agrees to give me another car to drive. The car is noisy and shaking when I was driving, which made me really uncomfortable and felt unsafe to drive the car, so I had to return to the rental location just after XXXX and half hours. 

After I returned my car, I noticed my return rental agreement had a charge of {$83.00} showing it is for a vehicle upgrade. I do not get any information before I have to pay this fee, and I do not agree it is my responsibility to upgrade the car because of the insufficient stocked car at the location. I contact XXXX several times and wish XXXX could solve this problem for me, but they never respond to my message. 

I do not believe I should be charged for this bill amount. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, 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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : $ {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$50.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
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:
I reached out to Equifax on XX/XX/21 regarding fraudulent student loans that were defaulted under my name. I am a XXXX XXXX and the government paid for my schooling. I sent them an identity theft report, my ssn card, my id, and 2 proofs of address. They did not remove the accounts, nor did I receive correspondence on why they left 4 fraudulent accounts on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: CAVALRY INVESTMENTS, LLC
State: FL
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:
Please remove Cavalry Portfolio Services for {$3500.00} from my credit report and cease all legal action. Cavalry Portfolio Services has failed to correctly validate my debt after requesting a validation letter and wrongfully submitted a lawsuit for debt that they can not confirm that I owe. The validation letter was received by Cavalry Portfolio Services on XX/XX/2023. I have attached proof of delivery and a copy of the letter sent. On XX/XX/2023, I received a response after requesting validation of this debt, but the creditor has failed to provide any itemization or amount of debt owedI had to find the amount owed myself by looking at my credit report. I have attached a copy of the letter that was received from Cavalry Portfolio Services. The letter does not contain any itemization of the balance that is supposedly owed. It has been more than 30 business days since the validation request letter has been delivered and I still have not received any type of itemization or anything at all to explain how the charges on the debt were accrued. According to Regulation 1006.34 as noted by the Consumer Financial Protection Bureau, a debt collector is required to send an itemized list if requested to validate a debt, reflecting any interest, fees, payments, and credits since the itemization date. Cavalry Portfolio Services has violated this regulation by not sending any itemization for any of the charges of this debt, therefore it needs to be removed from my credit report and legal action ceased.

Company response to consumer: Closed with explanation