BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: TN
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:
Equifax Information Services LLC is furnishing an account on my consumer report that is unfair, inaccurate and fraudulent. Due to this inaccuracy my right to extend credit was damaged to a great extent this has caused my family harm. I submitted a certified letter to this organization on XX/XX/XXXX and requested evidence that this item has been properly investigated. The company never complied and is still furnishing this unfair information on my consumer report. This is a clear violation on 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This company has violated my right to privacy. This company has failed to provide me with my ( investigative consumer report ) ( e ) 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 ). I just want to be treated fairly and this company has violated my rights. This company is ruining my reputation with lenders and my livelihood has been adversely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 2023-10-20
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: Problem with personal statement of dispute

Complaint:
Creditor has not updated my request to remove and close account for illegally reaging my account from XX/XX/XXXX to XX/XX/XXXX the creditor reaged my account more than 6 months. 

on XX/XX/XXXX i requested Please delete off my XXXX account because the creditor has re-aged my account and this a FCRA Violation. XXXX aged my account to XX/XX/XXXX however XXXX shows XX/XX/XXXX creditor has failed to update dispute status, which is a violation please do not correct but remove from my XXXX report because high credit limit is inaccurate. Transunion and XXXX shows different limit please remove off my report Creditor reported " 60 days late in XX/XX/XXXX but reported ok in XX/XX/XXXX this is inaccurate and unverifable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 noticed multiple inquiries and an account from XXXX XXXX that do not belong to me. I called each bureau and they all told me to submit a dispute so I did just that. Its been over 40 days and NO RESPONSE YET, please help.

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 2023-03-28
Company: EQUIFAX, INC.
State: MD
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 to the Fair Credit Report Act, this creditor XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681, Section 602, states that I have the right to privacy.

15 USC Section 1681, Section 604 A, Section 2 also states a consumer reporting agency can not furnish an account with my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under a open consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions 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, the consumer has attempted to reconcile directly and through XXXX and experian to delete these accounts from the consumer report Pursuant to 15 USC 1681 there is a grave responsibility to my privacy there is no written consent given to Dept of education, XXXX, or XXXX  to report any of this information there is no consent given to Exoperian XXXX  or XXXX  to furnish this information

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 2022-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX, has violated my rights. 
15 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 Acct without my written instructions. 

XXXX XXXX XX/XX/2020 : done Public Records Public records include bankruptcy filings, court records, tax liens and monetary judgments. They remain for 7 -10 years. 
No Records Found. 
Account History Accounts " paid as agreed '' can remain on a report for 10 years from last activity. Negatives should be removed after 7 years or 10 years for bankruptcies. 

Account Name : XXXX XXXX Account # : XXXX High Balance : {$970.00}

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 2020-02-05
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a store credit with XXXX XXXX, XX/XX/XXXX and was awarded {$300.00} that night. I then made a few purchases that evening only ( 2 or 3 items ) no where near my limit. I was then told to expect to my card in the mail. I waited over 30 to 45 days and still no card. I then called customer service @ XXXX XXXX, I explained my dilemma I was told my card already was sent. I then replied I never received it & I requested that card be canceled & issue a new one & gave my correct address I also explained why am I receiving a bill at the correct address & my card didnt make it here. I finally received my card in the mail 2 months later. I have a restriction on my card where I can not make any purchases, I do cash purchases only. I havent used my card in years & to date my balance is over {$300.00} so where are my payments going or even being applied. If I am restricted From card usage WHY IS MY BALANCE NOT GOING DOWN AT ALL, also have had my credit limit decreased to {$200.00} dollars with no notification, as I looked at my statement today, I made a payment of {$40.00} on XX/XX/XXXX, my due date & there is a late fee on this bill for {$39.00}. Also I pay my bill monthly in the store, I double & triple my minimum payments due. When I call about my bill at any time Im routed directly to collections @ Comenity Bank, their staff & reps are very rude & unprofessional, always persistent with strong arming additional payments & talk of legislation action, unwilling to assist or even hear any of your concerns. I dont know what to do, this is the reasoning for my complaint. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: IL
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 List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Account Name : Account Number : 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 states a consumer reporting agency can not furnish a 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 1681 s2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: WELLS FARGO & COMPANY
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took loan from Wells Fargo through XXXX XXXX XXXX. I bought the Furniture around {$4000.00} per Zero Interest rate for one year. I paid {$1700.00} for {$150.00} ( 11 Monthly payments ) and {$1500.00} total of {$3200.00}. I only have to paid {$770.00}. The problem is they charged me over {$1000.00} for interest rate on XX/XX/2018. I made my direct monthly payment through phone. But they misguide or mistakenly they made the minimum payments of {$150.00}. Now they charging me interest rate and I wasn't agreeing when I took the loan.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is a collection on my report that is inaccurate. This collection is from XXXX XXXX XXXX.

Company response to consumer: In progress
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: NY
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 Account number XXXX has violated my rights.15 U.S.C Section 602A states I have the right to privacy. 15 U.S.C Section 602A states a consumer reporting agency can not furnish an account without my written instruction in this case Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: CHECK INTO CASH INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
In XXXX, I received a title loan from check into cash. I was behind on my payment. They repossessed my vehicle and I hadn't heard from the company sense then. I tried reaching out to see how I could get my car back without a response. Then in XXXX Till now my state tax refund is being taken for the registration for the vehicle. So I reached out to the company again to see what was going on and they said they had returned the car to me in XXXX, which was false. Then they said they would look into to where the car was and never responded after that, so I called again and they said it was auctioned off. I then asked for a copy of the account history, which they agreed too. It has been a week sense then and I still haven't received anything regarding the issues. I would like them to give me a copy of the file to see if they're actions were in accordance to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing accounts on my credit report since 2019 the credit agency are all reporting incorrect personal and fraud accounts on my report i have numerous letters and police reports and the companies are not respond to my request or send me letters stating i am not the one filing the dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: EQUIFAX, 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:
I have asked the Credit Bureau and the company to do a credit search and I also did a complete search as well for the inconsistencies. 

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: FL
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:
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 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 2018-05-14
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted XXXX XXXX, Mortgage Loan Officer, NMLS ID # XXXX at PNC Bank in the beginning of XX/XX/XXXX about getting pre-qualified for a loan. We had several phone conversations and sent several emails over the course of a few days. Since XX/XX/XXXX, I have been trying to reach him. He has not returned my phone calls, texts or emails. He has gone completely MIA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2022-12-15
Company: National Credit Systems,Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a letter for validation/correct information over 30 days ago with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
I just received yesterday 2 separate letters from XXXX credit reporting agency. I am uploading the letters. XXXX states they will not re-investigate an account that is reporting on my credit report that does not belong on my report. I have submitted numerous disputes about this creditor. XXXX credit reporting agency finally has deleted this account off my credit report I dont know why XXXX and transunion are not removing it but I am frustrated at the fact XXXX sends me these 2 letters with 2 different report numbers. It is my right to dispute any information that does not belong on my credit report that is incorrect.

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 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
hello in XXXX i tool out a personal loan, about 5-6 months later i lost my job.. 

well when i got a new job a couple months later i tried to work with them on saving this account and they was rude and talked down on me so i decided to have my attorneys deal with then.. XXXX XXXX XXXX at the time.. 

but i been trying to figure our and my my score dropped dramatically in XX/XX/XXXX i just found out by equifax that they keep reporting and sending different information. 
this account was opened in XXXX yet they state it was opened in XXXX also they changed the closed date so no it shows open they keep sending charge offs every month making a huge impact on my credit report.. 
i have been disputing multiple times and no justice. i just spoke with transuinoin today and was told they can see inaccurate information but they do not have the power to change it.. they also say they do not get documents proving any data, they simpley send the request to the issuer and they rely on there words..

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 2023-02-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/23 I had a scammer call my cell using a Wells Fargo phone number. They tricked me into thinking someone was trying to access my funds in XXXX the country and trying to take {$7000.00} and needed to secure my account. They gained access to my phone thru XXXX and used " Wells Fargo Security Server '' as the access name. They took full control of my phone and before I could blink were able to wire {$9400.00} out of my account. I went to a Wells Fargo bank immediately and had them cancel my accounts that the money was taken from. They advised " They were so glad I came in right away and didn't wait until the next day because that would of been a totally different situation '' But since I had come in right away they could put a hold on that transfer and it still showed pending. 

I followed up with Wells Fargo fraud department on XX/XX/23 and they said it would take 5-10 business days for my funds to be available and they were still in the claims process. But I would get a return on the {$60.00} wire transfer fees as well. ( A total of {$9400.00} was taken from my account ) I called again on XX/XX/23 for another follow up. At that point they said they had denied my claim and I would not be getting my money back. They had already told me several times that I would and they put a stop on it since the wire transfers still showed pending! 

I am currently out {$9400.00} ... my dad had just given me this money a week prior for my wedding. I'm devastated!

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 2023-09-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.

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