BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed items that are on my credit report with Equifax, they have continued to ignore my disputes. They have not responded nor investigated these disputes. 
My first dispute was sent to them on XX/XX/2019 which they did not respond to, I gave them until XX/XX/2019 and still no response at which time I sent them a no response including the accounts disputed and a copy of the previous letter I had sent them disputing these accounts. It id now XX/XX/2019 and still no response from Equifax. My rights to dispute accounts reporting on my credit reports are clearly outlined in the FCRA and I demand that they follow the law and as written.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently Challenged this same account with the credit bureaus and they came back stating that they have verified this account with you. I have gone to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: FIRST NATIONAL BANK OF OMAHA
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i have contacted all XXXX credit bureaus to challenge the 100 % accurate and factual reporting of an account showing up on my credit report " THE BUREAUS ( Original Creditor : XXXX FIRST  NATIONAL BANK OF OMAHA ) " ...... all XXXX  times that ive challenged it has come back verified as accurate ... how is this possible? how are they verifying this? they are not conducting proper investigations is the answer... i have attached a copy of the report with all of the inconsistencies circled ... ..this account has been re aged..this is a major violation

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 2023-06-12
Company: Experian Information Solutions Inc.
State: NV
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:
It has been 2 years trying to remove this bankruptcy from my credit report. They never show proof and say verified.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
It has been 2 years trying to remove this bankruptcy from my credit report. They never show proof and say verified.

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 2022-06-15
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act - XXXX  XXXX XXXX, has violated my rights. 

15 U.S.C 1605 Determination of finance charge 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 2023-01-23
Company: W&A Intermediate Co., LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wakefield and associates is listing an account on my credit reports. I disputed the debt. The creditor and/or credit reporting agency stated the account meets FCRA requirements XXXX 

However, this collection agency has failed to meet FCRA requirements. Im asking that the collection agency provide me with the original contract, payment history, and proof of ownership of this debt. I have never heard of Wakefield and associates. I have no contract to do business with them at all. 
I have been denied housing. This account is harming my ability to secure suitable housing for my family at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: SANTANDER HOLDINGS USA, 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: Information belongs to someone else

Complaint:
This request is about information that is reported on my personal credit report from the credit bureaus listed above. I am formally disputing this account and I am requesting a validation of this account. I want to stress that this letter IS NOT a request for VERIFICATION, but a request for VALIDATION. 
SANTANDER XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX  master card was induced in 2018 XXXX notification serviced 1 to 1 with XXXX XXXX claim representative. The data breach XX/XX/2018 is to-date. AN internal breach of commands of the likes and dont like can and cant do but will do to rampart for the tangent of bigger.to feel published by possessing a not so good right in commerce of the exchange. etc. That the enclosure column a cross cancel by the master card company in taking money and deducting it from the insurance i did not apply for the total balance of the reversal was the amount of balance i had plus the enclosure brang the account to full payment. The company had not wanted to return the forgery ( phishing } enactment in notice of ( phishing } is civil means of activity in the dos and don'ts. Accept where means of the internal data breach to ( phishing } the workers or employers relinquishment. A working qualification in any country 's or state has these limits in a data breach except where internal resources has been damaged, took, altered and adjusted It can eliminate the population in said balance schemer effects in world cooperatives tax law ... .. The company i have requested from the setting in the credit karma data breach and the XXXX master card reported data breach and reversal however the data belonging to reflex had been adjusted and returned the deduction it is also a forum of phishing to send me emails to inform of the key correction to the account as a debt to overpay the account then close the account as a charge off. The account is not a debt. In fulfillment if i owe your company the amount on the XXXX it will first require that you release the withholding of the prior payments - that has been reversed then blocked by Reflex master-card to closure deduction to the limits to charge off the account. The account was closed because reflex master card incited me to not want to return the amounts deducted and charged off my paid balance available credit to debt the account then roll over to claim, allocate and etc. Now XXXX will be the amount XXXX master card needs to pay me to charge me the credit card statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$540.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX & CO XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} ( Original XXXX : XXXX ) XXXX XXXX XXXX {$370.00} 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was extremely disappointed this morning when I checked my credit report and I saw that I have a XXXX  showing on my credit report. This is so embarrassing, and I am so ashamed I do not think this is something that should be shared with the public. According to 15 USC 1681 { a ) ( 4 ) it states, 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMER 'S CREDIT REPORT, As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, driver 's license, and bank statement 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 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER Account : XXXX XXXX XXXX ( Original Creditor : XXXX  ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : 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 2021-04-03
Company: AES/PHEAA
State: SC
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 gone back and forth with the creditor but my reported information is not being reported accurately and to the fullest. information is being report differently among all CRAs which is a violation of Furnisher Rule 660.4 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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 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 2023-09-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

According to 15 USC 168i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 USC 1681s-2 ( A ) ( 1 ) ( E ) ( ii ) ( ii ) Banking agencies ( I ) In general If a financial institution is supervised by a Federal banking agency, the financial institution shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause ( i ) from the appropriate Federal banking agency.

( II ) Feedback An appropriate Federal banking agency shall provide feedback to a financial institution within 120 days of a request for approval under subclause ( I ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: WELLS FARGO & COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I was scammed {$11000.00} to a scammer that was identified as a XXXX XXXX XXXX XXXX woman named XXXX XXXX. After a couple weeks of talking from a wrong number text, she convinces me to invest in a fake platform called XXXX  it seemed legit at first as I was able to withdraw a {$30.00} profit from my {$100.00} deposit which is the amount I started off with. The scammer convinced me to invest more so my profits can be more. I put in another {$1000.00}. After making a few more profits that week, the scammer tells me to increase my account to {$10000.00} so my profits can be bigger. She says she gets inside info from her uncle to make these profits. I decide to put in another {$8000.00}. We're up to {$9100.00}. 
After a few trades, my account is at XXXX. I thought I made over XXXX. But when i try to withdraw the funds, it tells me I have to pay over XXXX in taxes in the next 3 days. After panicking, I pay a $ XXXX payment for the tax before realizing this is all fake. I saw reviews that night of this scammer and platform. 
I tried to get my money back from my banks but they tell me that I can't get my money back. This is very unfortunate for me. 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 2021-04-02
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:
Experian lists one of the negative factors on my credit report to be too many recent credit inquiries however all of the inquiries are within a period of less than 21 days and all are related to shopping for a mortgage. In other words, comparing rates among lenders. According to CFPB 's website, these should all be treated as only one single " hard inquiry. '' See CFPB webpage XXXX XXXX XXXX XXXX. 
I called Experian and asked why my score was being impacted by all of the inquiries. Experian said they drop my score by 3 to 5 points for every single inquiry and there is nothing that can be done about it. I informed Experian that since all were within a 45-day window for the purpose of shopping for a mortgage that it should only count as one hard inquire. Experian said they have never heard of that rule/policy and that is not how they calculate the score impact. I asked to submit a protest or complaint about this policy being in violation of CFPB guidelines, but Experian said there is no way for me to dispute it with Experian directly. They told me I should file my complaint with the FTC. 
I have not called the other to bureaus, XXXX XXXX XXXX  I do subscribe to credit monitoring with both and my activity monitoring for both show the same information that too many recent credit inquiries is lowering my score. 
I have gotten mortgage pre-qualification worksheet estimates from around 8 different lenders and ALL OF THEM pulled my credit report with a hard inquiry. I would NEVER have done this with this many lenders if it were not for the advice from CFPB that the all of the inquiries will only count as one " hard inquiry. '' Now I am stuck with score impacts from all of those hard inquiries unless the credit bureaus change their policies to be in alignment with CFPB advice.

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