BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On Monday, XX/XX/XXXX, I, XXXX XXXX received a letter from " Equifax '' dated " XX/XX/XXXX '' demanding/requiring that I provide sensitive personally identifying information via the mail service to verify my identity. This is unreasonable and unacceptable. Countless times, I have attempted to have a fraud alert placed on my Equifax credit file due to recent data breaches that I have been notified about. Equifax has been impossible to work with. Equifax has been unavailable and inaccessible. Equifax has a storied history of problematic organizational behavior. 

According to Equifax 's website =XXXX XXXX XXXX XXXX  " Participation in Trade Associations Our participation in the political process is designed to promote and protect the economic future of Equifax, our shareholders and employees, and we maintain memberships with a variety of trade associations in the United States for that purpose.

Set forth below are the names of U.S. based ( 1 ) trade associations, ( 2 ) tax-exempt organizations that write and endorse model legislation, and ( 3 ) 501 ( c ) ( 4 ) social welfare organizations, in each case, that are engaged in U.S. lobbying activities, managed by the Equifax Government Relations department , and received annual payments from Equifax of at least {$50000.00} in XXXX : Consumer Data Industry Association National Employment Opportunity Network ( NEON ) Better Identity Coalition US . Chamber of Commerce The aggregate annual amount paid by Equifax to all such organizations in XXXX, including but not limited to those named above, is approximately {$1.00} XXXX. '' It is clear that Equifax is only interested in benefiting themselves and NOT the American people or Americans like myself. 

The corrupt U.S. government allows companies like Equifax to keep on keeping on. All the while Equifax has refused to assist me both now and in years past. This is now well documented in my various Consumer complaints with this agency over the past number of years. 

Fortunately, XXXX quickly assisted me online with placing a fraud alert on the XXXX credit file and assured me that XXXX had also notified XXXX and Equifax to do so as well. With that said, I have ZERO faith that Equifax has followed through on that notification. 

XXXX also notified me that they too have placed a fraud alert on my XXXX credit file and assured me that XXXX notified XXXX and Equifax to do so as well. Again, I have ZERO faith that Equifax has followed through on either of those notifications. 

I am submitting this latest complaint to draw attention to Equifax 's business practices which I find to be both gross and nauseating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
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: Investigation took more than 30 days

Complaint:
I wrote the three credit bureaus, XXXX XXXX and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 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 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 correct : XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX Balance : {$14000.00}

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 2021-03-09
Company: Patenaude & Felix A Professional Corporation
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was served papers that I was being sued by XXXX XXXX XXXX XXXX on XX/XX/XXXX. The only papers that I received was that I was being sued. I had no idea who the original creditor was. On XX/XX/XXXX I went to court in XXXX, PA at the Magisterial level. I was confused and not sure of why I was being sued. After XXXX XXXX XXXX XXXX attorney showed up ( a woman, I am unsure of her name because it was supposed to be XXXX XXXX, or XXXX XXXX that was representing XXXX XXXX XXXX XXXX, through Patenaude and Felix ), she showed me that the debt was through XXXX XXXXXXXX XXXX. I stated that I was positive that the debt was paid and was not sure the reason why I was being sued for the debt. The debt that the attorney showed me, {$2800.00}, was different than the highest amount of debt ever on my credit report for XXXX {$2700.00}, I was not able to prove that the debt was paid off already because I did not know what I was being sued for, before going into the courtroom. The XXXX found me guilty because I could not prove my case. I then went home and looked at and printed out my credit report. My credit report shows that my XXXX XXXX was reported stolen in XXXX, that the card was closed, and that there is no missed payments on that card. I filed an appeal as soon as I got all of that information together. I have been trying to contact someone in either XXXX XXXX XXXX XXXX or Patenaude and Felix to take the false information off of my PA docket information, willing to show proof of the card being paid and closed on my credit report, but they will not give me any information or papers to prove that the account was bought fraudulently on their end and that my account has been satisfied since XXXX. I am trying to buy a house and they are holding the entire process up, and there is a huge possibility I could lose the house because of these false records. Everything that they have about the account is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX of 2023 I reported that I had some unauthorized and unrecognized inquiries on my consumer report. Fast forward 6 months later I have 4 or five credit cards that I never received or even applied for all of which are carrying a delinquent balance. And they are still reporting the inaccurate false and misleading fraudulent information on my credit report. And it needs to be deleted immediately. I and when I reported this to them last week I informed them that my personal information is XXXX XXXX My only residential address is XXXX XXXX XXXX XXXX CA XXXX My business addresses is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX XXXX is the only address Im connected to. And ( XXXX ) XXXX personal ( XXXX ) XXXX business Are the only telephone numbers im connected to And they still havent gotten that right. 
And i asked them to remove all my employer information and my ss # and they still havent done that either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I missed a payment, it was over looked on my part. I have attached a goodwill letter and my bankstatement showing funds were avaivale to make the payment just due traveling for work I over loooked it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AWA COLLECTIONS # XXXXTo Whom It May Concern, The reason for my dispute is AWA COLLECTIONS was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also AWA COLLECTIONS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) AWA COLLECTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation AWA COLLECTIONS is held liable as well for defamation and in the state of California indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where AWA COLLECTIONS is in compliance with California LAW. AWA COLLECTIONS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received an individualized email solicitation from SanTrust Bank offering {$200.00} Bonus for opening a SunTrust business checking account conditioned on making {$1500.00} or more in cumulative qualifying deposits within 30 days. I accepted SunTrust 's offer and opened SunTrust business checking account ending in XXXX on XX/XX/21 and made a required opening deposit. Imagine my astonishment and disappointment to find that SanTrust has decided to close my account on XX/XX/21 after accepting my opening deposit. SanTrust has informed me that my account has a XXXX  balance for 60 consecutive days. At all pertinent times, my account have a balance exceeding required balance of {$1500.00}. I contacted the bank and received another letter informing that SunTrust bank is unable to verify company registration with the Secretary of States Office. I am an XXXX and I do not require registration with the Secretary of States Office to XXXX XXXX and XXXX XXXX in my state. 
Acceptance of bank 's offer on XX/XX/21 represents a unilateral contract for breach of which law provides a remedy. I completed all the requirements necessary to qualify for the opening bonus but I was unable to receive the {$200.00} bonus because SunTrust breached the contract by terminating my account without lawful justification or excuse. The SunTrust 's action of closing my account is a breach of contract and law affords remedy or a legal cause of action when a binding agreement ( or bargained-for exchange of consideration ) is not honored. I would not have opened account with SanTrust Bank and kept over {$1500.00} interest free, but not for SunTrust 's promise to pay me {$200.00} opening bonus.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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  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 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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2023-01-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
We had a home equity line of credit that reached the draw date in XXXX of 2022. I had numerous conversations with Wells Fargo in the previous months about the best way to deal with this. In XXXX of 2022, at the suggestion of one of the employees I spoke with, I borrowed the credit limit against future home repairs I knew were coming up. I then arranged to transfer the balance to a new loan with affordable monthly payments ( approximately {$450.00} ) at at the prevailing interest rate ( somewhere in the neighborhood of 5 % ). I was sent some documents to fill out and return via email, which I did. Subsequently I called to make sure they received them when I heard nothing back. I was reassured that they had, and that things were on track. Now we have received a statement from the Home Equity Line of Credit with a minimum monthly payment of {$1400.00}, {$450.00} of which are " finance charges. '' Certain that this was an error, I called Wells Fargo and was told that the loan was never finalized because they were missing a second set of documents that they emailed me on XX/XX/XXXX. I never received those documents, although I did receive an email on that date asking me to rate the service I had received. Nobody ever attempted to contact me after that. Now I am told that this " wasn't the bank 's error '' and " the system '' won't let them do anything because it's past the draw date. We can't possibly make the minimum monthly payment on this old loan ; furthermore, I was never notified that there were missing documents that were needed to finalize the new loan. They had my email, my street address and my phone number. I can't help but feel that this may have been deliberate on the part of Wells Fargo. When I asked why nobody attempted to contact me as to why they hadn't received the second set of documents, I was told that that would have been a " courtesy '' that they are not obligated to perform. We were never notified that there was a problem. I feel like we were scammed.

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 2021-07-27
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: Their investigation did not fix an error on your report

Complaint:
A person has attempted to use my personal information to open accounts in my name. I don't know who did this or how they got my information. This is fraud and I have attached the identity theft report that the customer service told me to send in to have this information deleted.

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 2023-06-28
Company: Experian Information Solutions Inc.
State: NC
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 just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent? Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


.there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it 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 2021-03-09
Company: Early Warning Services, LLC
State: MT
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 am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  - XXXX XXXX  - XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX TAB | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX

Company response to consumer: Closed with explanation