BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-14
Company: EQUIFAX, 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:
Equifax has refused to remove XXXX XXXX XXXX  from my credit file. The card was included in my Bankruptcy and although I have disputed it with the company it still remains on my credit report. 

Equifax as refused to remove a XXXX XXXX Credit Card from my credit file. I have disputed the card with the credit bureau, however they refuse to remove it. I filed for bankruptcy in XXXX and the account was showing opened in XXXX. The card was also not in my name, I was an authorized user so I did not incur the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Chime, XX/XX/XXXX XXXX XXXX  ATM fee {$6.00} ( {$4.00} ATM Fee, {$2.00} Chime fee ) The Chime app directed me to this address : XXXX XXXX XXXX XXXX There is an ATM there. 

The address of the ATM : XXXX XXXX XXXX XXXX There is no difference in the physical location of those two addresses. 

I contacted CHime to complain about the fees, Chime was unwilling to discuss the {$4.00} ATM fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX, XXXX and Trans Union are ignoring my requests to investigate and remove accounts from my consumer credit reports that were opened fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX is reporting incorrectly to XXXX XXXX Experian and XXXX  a ( XXXX XXXX XXXX late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and contacted XXXX and provided them with my updated contact information in addition to making my XXXX payment. I have never missed a payment on this account. XXXX XXXX XXXX incorrectly posted the payment and consequently this error caused a late to report. I was not aware that there was a late showing until I obtained a copy of my most recent credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Servatus Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written several disputes to Credit Solutions Corp. they have never responded. this is willfully neglectful. CREDIT SOLUTIONS CORP. is a debt collector pursuant to 15 USC1692a ( 6 ) ,15 USC1681n, and 73 p.s. 2270.1 et seq. I am a consumer as that term is defined in 15 USC1692a ( 3 ), 15 USC1681, and 73 p.s. 2270.1 et seq. CREDIT SOLUTIONS CORP. is not a creditor, and I have not applied for, neither received any services or credit with their particular agency. Additionally I have noticed that agency obtained my consumer credit report. I never gave them permission to obtain my personal credit file and unless they can verify this account is valid by producing the original agreement with my signature, this account is also erroneous. Therefore their intrusion in my personal credit file while trying to collect on erroneous account constitutes a willful and negligent violation of 15 USC1681q which would also be a criminal offense ( felony ) punishable under Title 18USC, the penalty being a fine and or two years imprisonment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Sequium Asset Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: EQUIFAX, INC.
State: MO
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's accounts on my report inwhich I have no knowledge of, however the credit agencies are constantly reporting information inwhich is not backed up by any type of physical documentation and if so still wasn't provided to me by either reporting agency. This is indirect opposition to the language of the FCRA, it clearly states that if you can not provide this information in physical form then you must STOP reporting it, Equifax, XXXX and XXXX. And the account in question is XXXX XXXX XXXX and all Inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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. 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.

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 2022-03-03
Company: Lewis, McDonnell & Associates
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Was contacted at my job about a debt. They threatened that I was being XXXX and owed over XXXX and if not paid then my wages could be garnished and that after court documents have been signed my debt would increase to XXXX but if I paid now before court documents were processed I would only owe the {$1200.00}. They said they sent out a letter to my home address in XXXX but I never received anything from Lewis, McDonnell and Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: NM
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:
Experian, XXXX and XXXX XXXX are ignoring my requests to investigate and remove accounts from my consumer credit reports that were opened fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: VW Credit
State: DE
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:
I leased a new Audi from XXXX XXXX  in Delaware - Made last payment on XXXX for {$1000.00} ( Next payment due on XXXX ) -Traded the lease in to XXXX XXXX in XXXX Md on XXXX - Audi was called by XXXX and sent payoff check of {$53000.00} ( Cashed by Audi XXXX XX/XX/15 ) - Audi/VW financial continued to send be bills stating monthly payment was due - XXXX, XXXX, and XXXX - I called 3x explaining that the car was traded and they cashed the check - After 3rd call ... .Audi stated they were waiting the mileage reading from the dealer to clear the account A. I hope you are not reporting this to credit agency ( I'm never late on anything ) B. Have you contacted the dealer about the form C. Explained this is misuse of the Credit Report ( FCRA violation ... .has nothing to do with payments ) D. Audi never contacted the XXXX  about the statement ... ..The car was traded and resold by XXXX XXXX ( XXXX ... .No issues ) My credit score was impacted down 80 points ... .Trying to buy another house I know my rights ... .20 year Credit Card Bank Executive ... .FCRA Violation Clear

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/21 Amount of {$1400.00} marked late XXXX XXXXXXXX has refused to remove this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Report Act XXXX, Account : XXXX, Creditor : XXXX  XXXX XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A, States I have the right to privacy.

This Creditor is reporting incorrect information on my credit reports.

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 2023-04-22
Company: EQUIFAX, INC.
State: TX
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account Number : 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 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 XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
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 information incorrect

Complaint:
Recently I have been denied credit from lenders based on information received from Equifax Credit Reporting. However, this information IS NOT on my report as such according to the FCRA, I am requesting to know immediately why fraudulent information is given to lenders yet the report records that I have received do not have such information. I have in accordance with FCRA regulations sent numerous letters to Equifax and all credit reporting agencies that they can not can not furnish information that is inaccurate, fraudulent and they continue to violate this request and give lenders information that is NOT on any of the credit reports Equifax has sent to me. The inaccurate and fraudulent citations noted by several lenders, including most recently XXXX XXXX  include : 1. Serious delinquency ( I do not have any on my Equifax report ) 2. Time since delinquency is too recent or unknown ( since I dont have any delinquencies this is incorrect ) 3.  Proportion of balances to credit limits on bank/national revolving accounts is too high ( again this is incorrect as my balances are well within the standard or below standard acceptable percentage ) 4. Too few accounts currently paid as agreed ( all my accounts are in good standing and upon checking my latest Equifax report assistance, there is no negative information to verify this ). This citation is arbitrary by lender, but still is not on the my Equifax report. 

Equifax is the only credit reporting agency that has thus far refused to follow the FCRA statues in either removing fraudulent information and/or providing information that was identified as fraudulent in my identity theft case. My Equifax credit score is considerably lower than ALL other credit reporting agencies by any reasonable standard. Again, this is due to Equifax refusing to follow the FCRA guidelines that the other credit reporting agencies followed and the lenders that were involved and have since removed the fraudulent information. I can not stress enough how severe the damage this has caused my credit scores and I am dumbfounded at Equifax blatant disregard for the federal laws put into place to help consumers combat identity theft and the like. Again, I want to emphasize that of all the credit reporting agencies, lenders, banks, etc that I have notified, written and otherwise contacted throughout this process EQUIFAX is the ONLY company that has refused to follow the guidelines and continues to furnish information that is inaccurate and fraudulent, but the information provided to lenders is not even on my Equifax report! How is this even possible and how can any consumer dispute information that only the Credit Bureau and Lender have access too?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX 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 2023-04-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over XXXX days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

These are the accounts and their account numbers : XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX Please remove it from my credit report. 

XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account XXXX XXXX XXXX Account number-XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX  Account number- XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX. Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number-XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXXXXXX Account number- XXXX 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 USC 1681.

15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
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: Investigation took more than 30 days

Complaint:
We have repeatly requested from Experian, XXXX  and XXXX to provide written verification of the items that they are reporting on my credit report. By law they must verify information they post. I have asked over and over again for any contract or document bearing my signature be forwarded to me and they have failed to do so for at least the last 6 month. 

Harmed by their willful neglect of the law. they have failed to send me what I repeatly asked for. 



Payments to harmed consumers Congress has authorized the CFPB to take legal action against companies and people that violate federal consumer financial law.

When the Bureau enforces the law, it or a court may order the violator to take action to remedy the harm it caused consumers. This can include requiring the person or company to compensate its victims for this harm. This compensation is generally called redress. In some cases, when the available redress is insufficient to fully compensate consumers for the harm they have suffered, the Bureau may compensate victims from the Bureaus Civil Penalty Fund. The money in the Civil Penalty Fund comes from penalties that the Bureau obtains in enforcement actions against entities and individuals who have violated the law. 


We have repeatly requested from Experian, XXXX and XXXX  to provide written verification of the items that they are reporting on my credit report. By law they must verify information they post. I have asked over and over again for any contract or document bearing my signature be forwarded to me and they have failed to do so for at least the last 6 month.

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 2018-05-01
Company: Experian Information Solutions Inc.
State: MO
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 second time disputing these accounts that is showing on my report inwhich is not mines and possibly could be the after affect of XXXX breach, I been told that these accounts been verified, but the real question is verified by who and supported by what physical documentation. According to the F.C.R.A., once disputed and not physically verified the reporting agency is to remove it from ones report. However, this is a serious issue when one doesn't comply. The accounts that's in question and needs to be removed are XXXX XXXX XXXX, and all of the 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