BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Since XXXX of this year I have been sending written correspondence to EQUIFAX regarding an inaccurate account that is being reported to my credit report. There is a XXXX  XXXX card that belonged to my wife, which was settled and no longer reports to her credit profile but still shows on my EQUIFAX credit report as an authorized user and the closed account is showing as DEROGATORY. 

I have requested in writing for proof of the account 's status and any records to support why EQUIFAX would have it listed on my report, but still have not received ANY correspondence back from EQUIFAX. 

I have tried to be patient and understanding, considering the fact that EQUIFAX has been under scrutiny and Federal investigation for false reporting. Unfortunately, I do not believe EQUIFAX has any plans to help resolve this matter. So here I am 9 months later seeking clarity and support to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked EXPERIAN repeatedly to disclose the furnisher of the Bankruptcy they are reporting on my credit report and have refused to do so. The FCRA is very clear - I have the right to know where the information reported on my credit report is coming from and question any inaccuracies. They could not have obtained any information from the court house as they do not disclose such information to the public or private entities. They could not have obtained it from XXXX XXXX as my consumer file with them is frozen due to identity theft. 

15 U.S. Code 1681 Section 603 ( 3 ) ( e ) states : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Furthermore, 15 U.S Code 1681 Section 602 A. States : I have the right to privacy. And 15 U.S.Code 1681 604 Section 2 states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: PA
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 have asked for unverified late payments to be removed from student loan accounts. You can not report a late payment of 90 days when the month before it was reported ok. 
5 Dept of EdXXXX Accounts , late payments being reported that are inaccurate and therefore unverified. 

XXXX, XXXX, Equifax, and XXXX are governed by XXXX XXXX XXXX and they violated my rights numerous times. 
There is no law stating that any transactions need to be reported.

According to 15 USC 1681 section 602 A I have a right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written consent and instruction. I never gave consent.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: AL
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:
From XXXX to XXXX XXXX XXXX i filed a dispute Experian, XXXX and XXXX about the inaccurate reporting of XXXX XXXX -- XXXX because the Dates Of last activity shows multiple dates which a violation of the FCRA because these bureaus are not reporting accurate info on my consumer credit report. So now I'm contacting the cfpb to step in and help me get this issue resolved. I have not heard from them in over 3 months as of today. 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 2019-02-28
Company: Nationwide Recovery Systems, Ltd
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notified by XXXX that a derogatory mark had been added by Nationwide Recovery system for the amount of {$1100.00}. Nationwide stated the original creditor was XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and they have no record or me ever in their system or for their affiliated services. I then contacted XXXX XXXX XXXX in XXXX GA, the only hospital I have ever been to and they have no record of me owing anything to them or their radiology or physicians department. I then called Nationwide to tell them of my findings and they stated the only resolution was for me to file a police report that they would not do anything to further help get this off my credit. I was never contacted by nationwide by phone or by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TD BANK US HOLDING COMPANY
State: CA
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 am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to TD BANK USA/TARGET. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: CITIBANK, N.A.
State: RI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 I entered a promotional agreement with CitiBank to XXXX XXXX {$50000.00} and leave it in a saving account for 90 days and I would receive {$450.00}. I have honored the commitment and continue to call weekly- they have " filed a dispute '' internally several times but - I continue to be ghosted and have no resolution for months. This is not complicated and clearly a scam by CitiBank.

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 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi my name is XXXX XXXX, I informed Transunion that two public record are being reported incorrect as who is the report company It show the court name and address, The problem is, none of that information is accurate. The recorder of the court itself did not furnish any of this information to the credit bureaus. I obtained letters from courts over and over again, and they all confirm the same thing that they do NOT furnish information to any third party, including the credit bureaus. The credit bureaus provide you with false information about who furnished the information? 
Transunion told that the bureaus get public records information from companies ( a.k.a. XXXX XXXX ) like XXXX, or sometimes XXXX. These data miners are for-profit companies that are in the information-selling business. They regularly collect public records information into their database, and then they sell it to the main 3 credit bureaus. The credit bureaus do not list the XXXX XXXX as their information provider. Whatever the reason, It is a violation of the Fair Credit Reporting Act to report false information. And claiming to get information from a court, when it is actually obtained from an unnamed 3rd party, that considered false information on your credit report. 
When I dispute the public record with the credit bureaus, they said they VERIFIED the information with the court! Again, this is completely false. They said they used typically utilize an automated computerized system called e-Oscar ( Online Solution for Complete and Accurate Reporting ) that automatically checks with the data miner. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical VALIDATION of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I do not consent to e-Oscar or any means of automated verification.

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 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 the follow accounts have violated my rights : XXXX XXXX. Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX. Account # XXXX and account # 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.

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 2022-06-17
Company: Experian Information Solutions Inc.
State: AZ
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, the item listed below has violated my rights. 

INQUIRIES : - 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  NEGATIVE ACCOUNTS : - 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 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.

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 2022-12-29
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
" XXXX XXXX XXXX '' continues to report on my credit profile. I have sent disputes directly to them and have not received any response far past the 30 days stated under the FCRA. Furthermore, they failed to provide me my XXXX authorization consent as well as failed to : -Validate the alleged debt - Provide breakdown of fees including any collection costs and medical charges. 

-Provide a copy of my signature with the provider of service to release my medical information to you. 

-C

ease any cre dit bureau reporting until the debt has been validated by me. -Explain and show me how you calculated what you say I owe. -Provide me with copies of any documentation that show I agr eed to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On behalf of our client XXXX XXXX, trustee of the deceased borrower XXXX XXXX, we have been working on trying to get legal fees remove the deceased borrower loan. The borrower died in the property last year and was found by family member end of XX/XX/XXXX. He fell behind not because of negligence he DIED. Union Bank made fun of the fact that family did not know he had passed away and have been doing everything they can to make this process even harder for the grieving family. We are currently in escrow and scheduled to close XX/XX/19 and the foreclosure auction is scheduled for XX/XX/19. I have requested an extension of at least 10 days just in case something goes wrong and they denied our request. Not only that, we ( Escrow and I ) have requested a payoff demand multiple times with no luck. They claimed that they did not received our requests or that the requests were invalid. This transaction will pay them off in FULL this is not a short sale. Union Bank is trying to steal the equity of this home from this grieving family. All we ask for is at least 1 more week if not 10 days to close escrow and they will have full payoff.

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 2023-10-26
Company: EQUIFAX, INC.
State: KY
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 XXXX XXXX consumer and natural person who is a victim of identity theft. XXXX, XXXX, and Equifax had used and furnished my consumer report without my authorization consent or written instruction. My information was share to nonpublic personal information without my consent and also used that information to furnish. XXXX makes it clear that the consumer has a right to privacy which XXXX, XXXX and Equifax has violated my federal protected right to privacy by failing to meet the needs of XXXX by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insured that consumer right to privacy! Under the XXXX XXXX XXXX XXXX of 1999. I enclosed all documents social, ID and statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: ERC
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:
There is an amount {$1600.00} that appears in my credit report with XXXX XXXX XXXXrom XXXX and XXXX which does not belong to me. I had disputed this already because in about XX/XX/2021 we disputed this I believe it was something with XXXX XXXX XXXX. We don't owe XXXX & XXXX anything. We have our account with them in good standings and it's under my wife 's name. This is afraid in my account. When we called the collection company the information they have is nothing to do with me. they had the wrong phone number, address everything, except they have my name and last name. Please help me solve this issue. Thank you very much. 

XXXX XXXX XXXX Account Balance {$1600.00} Payment XXXX NameENHANCED RECOVERY COMPAN XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFL XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX was working with me i was paying them {$750.00} every 3 months out of my credit cards. I signed paperwork from mail from XXXX was my represenative. 
My house got put up for auction which Wells Fargo bought even though people were trying to buy it. 
However after many months nothing happened with Wells Fargo Lowering payment so was XXXX and cancelled lawyer as nothing was happening. 
XXXX XXXX ( foreclosure specialist ) said in voice mail i was getting something in the mail in next 2-3 days, i am so scared i do not know what to do. I have sent letter by mail and on the sight to send things to Wells Fargo. I am a very sick women with XXXX ( my immune system is whacky and i have had XXXX XXXX XXXX XXXX, I will pay every month ( which i have promised over and over. I get my Social Security check the 2nd Wednesday of the month and will call in and pay with customer service or send a check. (

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 2023-10-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I keep contacting Experian and letting them know they have the wrong information on my report. They dont answer the phone and never change the information. They changed the information before to the right address but then deleted that address and put an address on my report that was old and made that my current address. This has caused me not to be able to view my report on Experian 's website. I can view it on other reporting sites but not Experian. I have attached my report on other sites and you can see the address matches yet on Experian 's website they refuse to update the report to the right information causing me not to be able to view my report in real time. This kind of method Experian is using is causing me to not know what my score is and is stopping me from getting approved for loans.

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 2022-12-29
Company: DISCOVER BANK
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a medical condition that causes extreme hair lost. I contacted XXXX at XXXX hair Enchancements on XXXXshe promised to make a custom hair system for me. I paid her {$1500.00}. The hair system was tacky and did not fit. XXXX did not want to refund me the money. I also paid her deposit on XXXX and XXXX for another custum system that i have not received nor do i want her to make it for me. I open a dispute with Discover on XXXX. They returned the XXXX back to her because the said even though i am not happy with the system and service she did produce me the the hair system. DIscover and Fairwinds are still investigating my dispute of the deposit i made for the 2nd hair system. This women scamed me and distroyed XXXX on my own personal wigs i paid {$500.00} for each one. I have contacted XXXX and dept of business and professional regulation. This women gave me a business card under XXXX XXXX and her website. PREMIERHAIR.NET her name is XXXX XXXX. Neither name appear under XXXXXXXX XXXX or XXXX. The only person who has a license at XXXX XXXX per these organization is XXXX XXXX XXXX. XXXX refuses to refund me any of my money and Discover will not credit my account. I am not a scammer i have XXXX XXXX XXXX.

Company response to consumer: Closed with explanation