BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: Experian Information Solutions 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:
FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$600.00} written off. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$330.00} written off. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3200.00} Status Account charged off. {$3300.00} written off. {$3200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9400.00} Status Account charged off. {$8600.00} written off. {$9400.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$600.00} Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$330.00} FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX TX 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 2022-05-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After reviewing my credit reports I noticed that you arealleging that the account is Collection without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove this negative and adverse remarks. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$600.00}

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Incorrect Addresses : 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

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 2020-01-30
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: Investigation took more than 30 days

Complaint:
XXXX XXXX continues to furnish late payments on credit report. Client requested late payment to be placed of end of the loan, due to financial Hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently reviewed my consumer credit report, and I have noticed that it also contains information regarding alleged late payments, which I believe fall under the category of " transactions and experiences. '' According to the Fair Credit Reporting Act ( FCRA ) and other applicable laws and regulations, transactions and experiences are explicitly stated as information that should be excluded from a consumer credit file. 

It is important to emphasize that any alleged late payments are indeed transactions and experiences, and their inclusion in my credit report is not only inaccurate but also potentially damaging to my creditworthiness. I firmly believe that these items should not be part of my consumer credit file, as they do not accurately reflect my credit history and financial behavior. I have listed the following information as a reference : Negative Accounts : XXXXXXXX XXXX XXXX Lender : {$180.00}, {$230.00} XXXX, XXXX ( Negative Remarks ) XXXX XXXX XXXX {$180.00}, {$230.00} XXXX, XXXX ( Negative Remarks ) XXXX  XXXX : {$200.00} Equifax, XXXX, XXXX ( Negative Remarks ) XXXX XXXX XXXX XXXX XXXX {$600.00} Equifax, XXXX, XXXX ( Negative Remarks ) XXXX XXXX XXXX XXXX XXXX {$0.00} Equifax, XXXX, XXXX ( Negative Remarks ) Collections : XXXX XXXX XXXX {$480.00} Equifax, XXXX, XXXX ( Negative Remarks ) XXXX XXXX XXXX {$130.00} Equifax, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: National Credit Adjusters, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with fraud alerts or security freezes

Complaint:
This company called me about a loan debt I did not get the money was supposed sent to an account ending inXXXX. I would like to report indenty fraud the loan was said to be XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I requested through certified mail on XX/XX/2023 for verification of the debt and verification that I own the debt. Lvnv received the certified mail on XX/XX/2023. They have provided me with only a report summary which is not proof of ownership and the right to collect on the debt, they have also failed to provide me with a purchase agreement to allow me to verify who has and does own this debt and if and how they can collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX. 
CREDITOR : TOTAL CARD DATE ASSIGNED : XXXX, XXXX  AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2021-08-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My checking account ending in XXXX was closed back in XXXX do to a overdraft of that account which I had submitted a claim for fraudulent charges for online gaming citizen bank paid out over XXXX dollars which they billed t o my account that I disputed. the claim was never settled i was told i had to pay them back. now I being off set from other open accouts .I only have short term XXXX income this is a hardship just take my money not being made aware until after they debit my other accounts..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I have purchased XXXX XXXX for my car and had it for 2 years. I completed the insurance in XX/XX/2022 and had a phone conversation with XXXX stating that my insurance needs terminated and I was told I have no money due. I purchased XXXX insurance from XX/XX/2022 and have been with them ever since I moved from my uncle house to my own while they charged me for an extra XXXX XXXX and have been sending receipts to my uncle address but I was never emailed or given a phone call about it. After 3 months they apparently had the information sent to a debt collector who did the same by sending couple mails to my uncle address. 

I recently saw that my credit score was affected and then started to find out what has happened. I spoke with XXXX folks who said that they passed it on to a debt collector so they are not responsible and the debt collector asked me to submit proof 's of the XXXX insurance which I did but they now state that they received an email but want a different letter of proof. I obtained it and wanted to email to them but they now locked my account and told me the only way is by fax or mail. I had XXXX fax to the number which they provided and I was told it was denied. 

I need some help as this has been time consuming while I have proof and want to take care of it immediately but they continue to not listen and give me a hard time Regards

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 the date of XX/XX/22 i submitted a complaint WIth the CFPB regarding concerns & complaints of all Inaccurate information on my consumer report with the 3 # C.R.A. XXXX, XXXX, TransUnion. XXXX was the only reporting Agency to address my disputes immediately by Deleting all inaccurate information and inquires. XXXX XXXX TransUnion has violated my consumer rights & the consumer law placed in place by the FCRA. FCRA # 1 ) 15 USC 1681 Section 602 ( A ) My Rights To Privacy. 2 # ) 15 USC 1681 Section 604 states no furnishing of accounts without my writtem permission & now they have violated new FCRA laws .3 # ) 15 USC 1681 ( i ) ( 2 ) ( A ) states XXXX XXXX TransUnion had 5 business days Apon receiving notice of A dispute they shall provide notification of the dispute & shall include all relevant information regarding the dispute & the Agency has received from other Consumer Agency. These requirements were not meet by XXXX or TransUnion. 4 # ) 15 USC 1681 ( i ) ( 5 ) ( A ) ( 1 ) states any information disputed by consumer, any Item of information is found to be Inaccurate, Incomplete, or can not be verified the C.R.A shall Promptly Delete the item from the file of the consumer.5 # ) 15 USC 1681i ( 7 ) there was no method of verification given. 6 # ) 15 USC 1681 ( 6 ) ( B ) ( iii ) A description of the procedure used to determine the accuracy & completeness of information. And also the furnisher who provided such information shall be provided to the consumer by the Consumer Reporting A gency. 7 # ) 15 USC 1681S ( 2 ) ( A ) ( B ) A person shall not report any information relating to a consumer to a C.R.A if the person knows or has reasonable cause to believe the information is inaccurate. ( B ) ( i ) the person or Agency has been notified by the consumer at the address specified by the person for such notices, the specific information is inaccurate and ( ii ) the information is in fact inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: PA
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 have been getting constant Harassment and derogatory credit marks on my credit because of this company. I am a victim of Identity theft and made them aware with the proper paperwork and police report via notified mail. This is willful negligence and a violation of the U.S code 15 section 1681n

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 1666B : A creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

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 2020-07-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My employer sent me a Advance to pay my rent so i wouldn't get evicted through a third party check. My HR lady made a mistake by putting it payable to my complex instead of my name. 

When i tried to take the check directly to the apartment complex they stated theyd rather take the payment via there pay portal. 

When i went into my Wells Fargo mobile app to deposit said check, my account got flagged for fruad due and my account will be in foreclosure on XX/XX/XXXX because the check did not having my name on it. 
( even though it was in the memo ) I go into a branch and stated all i needed to do is submit documents from my employer stating is was a mistake on there part. 

My HR lady submitted email of this issue stating is was a mistake on her end. 

Wells Fargo said that wouldnt be enough and would need it as a letterhead indicating numbers of how much do payment of the deposit was. 

My HR lady submitted another updated document Wells Fargo said that wouldnt be enough and would a phone number register with the business to verify this accident. 

My HR lady submitted another updated document with both her personal/ business phone number Wells Fargo stated neither numbers would verify me. 

I continued to escalate this issue to the fraud prevention department/loss prevention in hopes of speaking with someone that would be able to unflag my account. I spoke with a Manager representative. Her name was XXXX and she stated that as long as the {$1900.00} falls off of my account due my account would be in good standing. She also stated she understood that this issue was base on the fact that my employer is a work from home business that does not have a main office. My employer voided and did a stop payment on the {$1900.00} third-party check and when I called in to verify why the {$1900.00} hasnt fell off of my account they told me that I had to wait for information from third-party bank to verify that the check had been voided. 
Even though a previous representative had already verified, that information has been sent to Wells Fargo. 
Gave me a hassle on not giving me the option to let my HR lady be on the call to verify herself over the phone. 
Even though a previous representative stated that it was OK if I had her on the line to speak to the loss prevention department. 
After speaking to a manager in the loss prevention department, he stated they only would except a phone number from the CEO of my employer and two pieces of identification as well as two pieces of identification of my own to verify that this is a was a mistake on my employers behalf. 

This issue has held me up from being able to have my account in good standing for XXXX to help me pay for my rent so I wont get evicted by Wednesday XX/XX/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 2022-07-09
Company: TD BANK US HOLDING COMPANY
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 have sent over 7 rounds of complaints to the bureaus and now to TD bank directly for an account they had reported with late payments. the bureaus claimed this was verified, and I've never heard from TD bank. They have provided no proof that I was ever late and this account is not reported correctly and violates the FCRA in every sense. Each bureau reports a different XXXX. that is not even possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: FinCo Services Inc DBA Current
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Current Card took my deposit of XXXX dollars and then closed my account for no reason at all I tried to get in contact with the company but they take hours to respond and have no immediate support that can help me with this issue. Now i don't know when or if I will even get my XXXX dollar deposit back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: BARCLAYS BANK DELAWARE
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 information incorrect

Complaint:
I made a complete payment of the credit card amount around XX/XX/2022. I was told this was a COMPLETE payment for the remaining amount. Later, there was an interest charge. I was unaware of the charge nor did i receive any contact from the company regarding the charge. I only became aware of the charge when my credit score was hit with a late charge for an unknown charge.

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