BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
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: Account status incorrect

Complaint:
Requested credit line increase from XXXX XXXX XXXX on XX/XX/2023. 

It was denied. The reason provided in the letter : " Based on your credit lines with XXXX XXXX, your credit score isn't high enough for an increase. See the back of this letter for more details. '' Credit score shown : " XXXX Date : XXXXSource : Equifax Information Services XXXX The information is out-of-date and/or inaccurate and therefore, XXXX XXXX lacked sufficient basis to deny my request. 

My XXXX XXXX score is XXXX, based on a credit report from XXXX XXXX pulled XX/XX/2023. 

My XXXX XXXX score is XXXX, based on a credit report provided by XXXX XXXX XXXXXXXX XXXX XXXX, who recently approved an increase in my credit line due to my higher credit score. 

Clearly my credit score is high enough but for some reason, XXXX XXXX cherry picked the lowest score. It is unusual in light of the credit line increases granted by XXXX XXXX XXXX XXXX Bank ) XXXX XXXX should take the opportunity to review my request for a credit line increase based on current, not dated information. But when I called, I was not referred to any person who could give me a straight answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: GA
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A lady named XXXX XXXX called and claims she works for XXXX XXXX XXXX or as she refers to it, " XXXX '' ... she's saying I owe them for a Capital One account I opened in XXXX!! XXXX! It's XXXX now! You're telling me after 12 years you're trying to collect a debt from a credit card that had a {$500.00} limit on it? I had this card when I was XXXX years old and I am now XXXX, going on XXXX. She said it didn't hit delinquency until XXXX which has to be an absolute lie. She's telling me I owe them for over {$2500.00} and that if I do not pay or settle that they will be filing paperwork at end of business today ( XX/XX/XXXX ) to get their legal attorney involved. They say their attorney 's name is XXXX XXXX and he works for XXXX as well. This seems very scammy, very off, and they had the wrong address on my paperwork they sent me via XXXX   but said my correct address to me on the phone. I chose to not give them information or money ... Seems extremely fishy. Her phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See the attached documents.

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 2023-08-10
Company: Experian Information Solutions Inc.
State: OH
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: Other problem getting your report or credit score

Complaint:
I set up an account with XXXX, XXXX and Experian so I can look at my credit report on scores online, and after a few days XXXX and Experian is saying i have the wrong log in. XXXX says my file is blocked and just shows null on every page. I have made countless attempts to contact someone but the numbers send me into a loop and then hang up on my. I have sent them a letter about this problem and received no 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 2021-06-17
Company: EQUIFAX, INC.
State: MO
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:
On the date XX/XX/2021 I sent letters informing XXXX, Equifax and XXXX  of inaccurate information showing up on my credit report. I requested these credit bureaus investigate this wrongful information on my file they completely ignored me never responding to me. After being completely ignored I sent these three credit bureaus XXXX, Equifax and XXXX  another letter on the date of XX/XX/2021 stating it had been 30 days since my request and I demanded them to investigate these inaccuracies on my report, but they still have not gave me any response. This is very unfair to my family and I as it is causing financial hardship in our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX {$32000.00} XXXX XXXX {$350.00} XXXX   XXXX {$360.00} XXXX XXXX {$830.00} XXXX XXXX {$1000.00}

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 explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX HAS VIOLATED MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages

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 2020-06-11
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report I was caught surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$2600.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$3300.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$2600.00} XXXX XXXX {$180.00} XXXX  XXXX {$2600.00} XXXX XXXX {$3000.00} XXXX XXXX {$1200.00} XXXX XXXX {$380.00} XXXX  XXXX {$450.00} XXXX   XXXX {$1100.00} XXXX XXXX {$3500.00} XXXX XXXX {$1900.00} XXXX  XXXX {$370.00} XXXX  XXXX {$1200.00} XXXX XXXX {$96000.00} XXXX  XXXX {$840.00} XXXX   XXXX {$1100.00} XXXX XXXX {$770.00}

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 explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX from 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 an account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid 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:
Sometime last XX/XX/, I inquired with WellsFargo about balance transfer through my mobile phone. However, I was surprised to received a letter from said bank last XXXX XXXX XXXX, that a balance transfer was made and was paid to XXXX  in the amount of {$3700.00}. I called the bank many times that I dont know what is that XXXX  company, cause I never have an account with XXXX. 
But the people in the bank insisted that its mine. So I hired a credit company based in XXXX, and they were able to contact XXXX, asked them whose account is that. XXXX  told them its not XXXX XXXX account. 
I kept on asking the bank whose account did they paid in XXXX. But until now, they wont provide me the name. 
I am sure that I have all the rights to know, whose account they paid, because the bank charged it to me. To no avail. 
Now, the bank is destroying my name by reporting it to the credit company. 
Somebody in the bank used my credit card account to pay their bill. 
The amount is not big. But my point here is its not my account. You can inquire from XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, if I miss any payment with them. And the answer is never. Please help me with my problem with Wells Fargo.

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 2023-08-09
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2022-09-26
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: Information belongs to someone else

Complaint:
This is the 3rd time I try to fix this issue with Transunion. I have contact and retained XXXX XXXX XXXX, Your Credit Reporting Agency ( Transunion ) has continued to allow these accounts to report in my name materially false and fraudulent accounts. 

We will also be sending out registered mail to the agency and dependent on the outcome we will choose the next legal steps. 

Please cease and desist all reporting of these accounts : XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Failure to fulfill your fiduciary duty as a data furnisher will inevitably result in a lawsuit filed by XXXX XXXX XXXX on my behalf. You have a fiduciary duty under the FCRA 605 ( B ) to respond within 4 business days of receipt.

FCRA 605 ( b ) reads ; A consumer reporting agency shall block the reporting of any information in the file of a consumer, not later then 4 business days after the date of receipt.

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 2021-10-08
Company: BARCLAYS BANK DELAWARE
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:
Barclayss Bank is reporting inaccurate information on my credit report. Barclays Bank Delaware supplied the 3 major credit bureau with inaccurate information about a 30 day late fees in XX/XX/2019. The late fee was removed and expunged from my account and I was refunded. There was an error on Barclays behalf and my account was corrected. I called customer service and they said that the late was removed in their system. I have disputed the error and reported this to Barclays but Barclays have failed to correct the credit reporting. Please remove and corrected the inaccurate information with all the bureaus.

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 2023-02-09
Company: Experian Information Solutions Inc.
State: SC
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 filed my first XXXX XXXX breach settlement in 2019 each time the code I save to my contacts end up missing out contacts, my address magically disappears and slightly changes, the phone numbers Ive been sending in proof for the past 4 years never get updated, Ive put in countless days, hours, time even away from my kids traveling from city to city locally getting things printed out just for them to say they never received my proof with my Drivers License Social Security Cards Birth Certificates handwritten statements on whats fraud and wrong I always get a letter back saying they need the same information I already sent a total of 28 times just to this company alone. First class requiring a signature all of that and they tell me they still dont get me and kids information. Ive sent over {$5000.00} alone on just traveling back and forth to different agencies getting print outs, the cost to print copies not just for them for other creditors such as XXXX XXXX EXPERIAN XXXX XXXX XXXX, and like 6 other creditors, sending proof of false information tO DMV DHHS STATE ATTORNEY GENERAL OFFICE IN REGARDS TO MEDICAL DATA BREACHES ON ME AND MY KIDS INFO AND THE IRS, the gas,. The permanent mental damages emotionally and severe XXXX copies of bank statements copies from fraud student loans I never receive any settlement and Ive had 4 different claim numbers due to remotely somehow them being deleted or taking out my home. All behind someone spoofing and framing me for debt thats not mine. Ive reached out multiple times never get a response back.

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 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On the date XX/XX/2021 I sent letters informing XXXX, XXXX  and TransUnion of inaccurate information showing up on my credit report. I requested these credit bureaus investigate this wrongful information on my file they completely ignored me never responding to me. After being completely ignored I sent these three credit bureaus XXXX, XXXX  and TransUnion another letter on the date of XX/XX/2021 stating it had been 30 days since my request and I demanded them to investigate these inaccuracies on my report, but they still have not gave me any response. This is very unfair to my family and I as it is causing financial hardship in our lives.

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 2023-08-09
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:
I have sent numerous letters to credit bureaus asking for method of verification of items disputed and they have failed to send to me. Your reporting I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned disputes. 

XXXX XXXX XXXX XXXX ACCT # XXXX XX/XX/2019 {$37000.00} This account is reporting inaccurate information and amount I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with.Please include all names and contact information of employees that you spoke to at as part of this investigation. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate errors. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

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 2022-11-21
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date XXXX Balance : {$430.00}

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 explanation