BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
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:
I do not have an auto loan with XXXX from 2019 to present. This is showing on my credit report and hurting my credit score. It needs to be removed. And find out who did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It has come to my attention, upon further investigation, that Transunion, XXXX and XXXX are all violating federally protected consumer laws by selling nonpublic personal information and allowing companies to commit fraud with my estate and violate the privacy act. I have not granted permissible purpose pursuant to 15 USC 1681. All 3 companies have allowed income to be reported on my reports in the guise of a " charge off '' ( certificate of indebtedness ). They are aware that income is not to be reported on any persons credit report. All 3 companies have violated 15 USC 6802 thru 15 USC 6805 and no option to opt out of reporting were given at any time. All 3 agencies have inconsistencies through out ALL 3 reports are to remove the following from my credit report. If anything that has not been validated by myself, remains on my report, I reserve my right to file suit. All communications will be utilized as evidentiary information. 

TRANSUNION : REMOVE EMPLOYMENT " XXXX XXXX XXXX ''. REMOVE ALL ADDRESSES, THEY ARE NON-MAILABLE ADDRESSES. REMOVE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX. REMOVE XXXX XXXX XXXX, REMOVE XXXX XXXX XXXX XXXX. REMOVE XXXX XXXX XXXX XXXX REMOVE XXXX XXXX, REMOVE XXXX XXXX XXXX. ALL COMPANIES HAVE FAILED TO RESPOND TO DEBT VALIDATION LETTERS. HARD INQUIRIES TO BE REMOVED XXXX XXXX ( bank ). 

XXXX : REMOVE NON MAILABLE ADDRESS- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. REMOVE ACCOUNTS FOR FAILURE TO VALIDATE : REMOVE XXXX XXXX XXXX XXXX REMOVE XXXX - XXXX XXXX, REMOVE XXXX XXXX XXXX, REMOVE XXXX XXXX BANK XXXX : REMOVE EMPLOYMENT " XXXX '', REMOVE " XXXX XXXX ''. REMOVE FOLLOWING NON MAILABLE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '', REMOVE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, REMOVE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX REMOVE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX, REMOVE XXXX XXXX, REMOVE XXXX XXXX XXXX, REMOVE XXXX XXXX, REMOVE XXXX XXXX XXXX XXXX XXXX XXXX REMOVE XXXX XXXX. 

please be advised, if ANY of the above information remains on my report, i reserve my right to file suit against all 3 bureaus. I XXXX XXXX XXXX have NOT validated ANY of the above information nor was permission given under 16 CFR 313 and 15 USC 1681. I am the only one who can validate any information and I exercise my right to OPT OUT of reporting THAT I DO NOT AUTHORIZE. THIS IS A FINAL NOTICE.

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXX**** Balance : {$10.00} XXXX XXXX Balance XXXX {$3500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXX**** Balance : {$10.00} XXXX XXXX Balance : {$3500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$3500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2024-01-16
Company: CCS Financial Services, Inc.
State: MO
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:
Credit Collection Services are reporting illegally on my XXXX credit report this company is clearly in violation of my consumer rights Act 15 usc 1692gThis company has not given any validation that this is even my account therefore these actions may constitute fraud under both federal and state laws.please help! Original creditor XXXX insurance alleged owe amount {$610.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX XXXX XXXX there was check written from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX in the amout of {$68.00} from my checking account from XXXX  XXXX XXXX XXXX on Wells Fargo check without my authorization. I been working with Wells Fargo because of the check was used from Wells Fargo, and I mail all the information to Wells Fargo. Wells Fargo informed me that I do not need to contact XXXX XXXXXXXX XXXX. We will take care of it. 

I send in Information to Claim representative was XXXX claim representative in executive office. : '' 1. Copy of the check. XXXX. XXXX  XXXX XXXX statement. XXXX. Copy of the statement that there were account created from Wells Fargo and printed from my Checking account from Wells Fargo. Names on the account were XXXX XXXX and XXXX XXXX. The account number was XXXX Wells Fargo paid to my x husband court case in the amount {$4700.00}. I informed the Wells Fargo that my X husband has account with Wells Fargo. They ignored the information that I provided and paid his court case in full from my account. I divorced my x husband in XX/XX/XXXX and I didn't know about the case. 

I just found out that they stoped investigation on Wells Fargo case ID XXXX was provided by XXXX XXXX. her email was 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 2023-01-23
Company: Experian Information Solutions Inc.
State: MI
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:
Complaint # XXXX was created and sent to XXXX  XXXX on XX/XX/XXXX. It is now XX/XX/XXXX ; more than 30 days have expired. All information pertaining to XXXX  XXXX must be deleted from all consumer reporting agencies 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 2024-01-16
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea what and who this is! They said I needed to contact them by XX/XX/year> which is what I am doing with the CFPB. They need to provide documents I requested according to my consumer rights!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-01-23
Company: M&T BANK CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/23 : XXXX M & T Bank to close checking account. I no longer live near any physical branches and do not have any checks, so I was told to update my residency address with the bank and call back in XXXX weeks to order a debit card so that I could make a transfer of the remaining balance in the account in order to close it. 

XX/XX/23 : XXXX M & T Bank to follow up my call from XX/XX/23 and to request a debit card. Was again asked if I could come into a local branch. When I said I no longer lived near any branches, I was told my address had not been updated and to call back in another XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of Identity theft. Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!

Under, 15 U5 Code 1681b - Permissible purposes of consumer reports [ a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 1 NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer 1 am demanding the deletion of the accounts listed immediately These accounts are XXXX XXXX and XXXX XXXX XXXX.. 
there are also inquiries that should be removed because they are unauthorized inquiries which includes XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX.. 


Also there is an address that should be removed as well XXXX XXXX XXXX XXXX XXXX. Pa. XXXX XXXX XXXX XXXX Please remove these accounts and inquiries With kind regards Thank you 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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I REACHED OUT TO XXXX XXXX XXXX BECAUSE MY AUTO LOAN IS REPORTING LATE PAYMENTS FOR SEVERAL MONTHS AND I WAS NEVER LATE. THEY SAID THEY WOULD FIX IT WITH THE CREDIT REPORTING AGENCIES AND THE XXXX, XXXX, AND TRANSUNION AND XXXX IS STILL REPORTING THIS INFORMATION AS ACCURATE. I HAVE SENT A COPY OF THE LETTER HEAD THAT I RECEIVED FROM XXXX XXXX XXXX STATING THAT MY ACCOUNT IS CURRENT AND WAS NOT LATE. I'M ATTACHING A COPY OF MY DISPUTE LETTER WITH THE LETTER HEAD THAT I SENT TO THE CREDIT REPORTING AGENCIES. SENT CERTIFIED MAIL ON XX/XX/ AND THEY RECEIVED IT ON XX/XX/. ALSO, THERES A CREDIT CARD ACCOUNT FROM XXXX XXXX XXXX  THAT I WANT REMOVED ALSO BECAUSE THAT ACCOUNT DOES'NT BELONG TO ME.

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 2023-03-01
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: Account information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-01-16
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX  Balance : - ; XXXX XXXXXXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 Balance : {$6900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: MD
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: Freedom Mortgage Company
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have as they call it Hazard insurance and always have my XXXX XXXX covers it. 
Freedom mortgage is forcing me to take there insurance. Ive repeatedly sent proof. All I get is the run around. Ive contacted there insurance department and was told it would be cancelled to call back the following Monday to confirm I called Tuesday that was XX/XX/2024 then I received a then I went on there app to see what exactly was the charges and they charged me again these were XXXX {$700.00} payments in XXXX my mortgage went up {$200.00} and XXXX it will be an extra {$400.00} they say its because of an escrow shortage but they created the shortage I have repeatedly called sentsecured messages and get no where today I received a letter saying that I tried to cancel my escrow I never did that all I want is for them to remove there insurance and put my mortgage where its supposed to be I have insurance and proof 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 explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-06
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, this inaccurate personal informations : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, and XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Please delete these items ASAP.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: DC
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:
Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate the source of these inquiries, and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN. 
I am disputing the following inquiries : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX If your investigation reveals the inquiry is valid, I request that you provide me with your method of verification as well as the contact information of the source of this verification. 
I am allowing you 30 days to complete this investigation.

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