BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: WA
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX. However, they stated everything was complete and accurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX Adding to this complaint. Wells Fargo for years never explained the added account. They are so well groomed on how to commit fraud and what to say to get out of it. Even payoff was over the amount owed. How can a XXXX  person fight a well groomed predator. 

XXXX XXXX is allocated for victims of Wells Fargo Fraud. Opening up an account that should not have been opened. 

My suggestion to CFPB that XXXX is given to each victim, myself included, and any victim who paid off their foreclosure to retain their home should have their credit report wiped clean from any negative remarks from late payments to foreclosure for the victimization of Wells Fargo. This will eliminate attorneys and anymore contact. Victims are those who are gaslighted but a corporation who knows how to lie through their teeth, get people to agree on something knowing the groomer will benefit and the victim will fall victim again. 

This will give many, many victims a starting point to rebuild not only their credit but the financial hardship of foreclosure Wells Fargo put their victims through. 

Wells Fargo to payout XXXX to all their foreclosure victims especially from XXXX to XXXX who obtained a loan from XXXX to Wells Fargo. The victims truly don't know and still don't know how Wells Fargo manipulated the loans due to their removal and destroying checking and saving account documents.

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 2023-06-16
Company: Experian Information Solutions Inc.
State: IN
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 received an email stating that the reporting agency was not able to verify inaccurate information and is refusing to delete the inaccurate information The burden of proof is not on me to verify inaccurate/negative accounts that are not mine 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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.

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 2020-09-23
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have obtained a copy of my credit report and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, I sent to all 3 bureaus which is reporting to my credit, does not relate to any transaction ( s ) that I have authorized. I have been unable to obtain more credit because of this unfortunate circumstance. I request that an extended fraud alert is placed on my credit profile. I requested a block all of the fraudulent information listed below from my credit profile, listed on my ftc report in pursuant to section 605 ( b ) of the Fair Credit Reporting Act. 
There has Not been no response from all 3 Bureau 's Is been 60 days from the time I notified all 3 Bureaus on the following accounts XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX Hard inquiry List .XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX   XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX   XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX   Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX   Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX I am contacting you Experian because you claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurate. However, the accounts are still inaccurate and your company is still continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX DE XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I Have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you immediately delete this inaccurate information 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 explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2021-09-30
Company: Army and Air Force Exchange Service
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: Investigation took more than 30 days

Complaint:
I have requested items on my credit report are investigated and please send me results in 30 days, This investigation took well over 30 days as I am still waiting results.

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 2017-02-03
Company: Big Picture Loans, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
On XXXX/XXXX/17 I received a phone call from a man calling himself XXXX XXXX from XXXX XXXX XXXX claiming to have a lawsuit pending from Castle Payday loan that was taken out in my name 4 years ago. They claimed that their ready to sue me. They did not specify the amount of money that was owed. I asked the caller to send me documentation via mail and asked for their law office license number, but the caller refused to provide me with the information. 
Additionally, before I was even contacted personally, my Mom, XXXX sisters, brother in law, and my brother in laws mother were called ( I do n't even have his mother phone number ). They threatened that I would be prosecuted if I did n't contact them immediately. 
I again received another phone call on XXXX/XXXX/17 and a voice message was left threatening that I would be prosecuted if I did n't return their call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/XXXX- XX/XX/XXXX and XX/XX/XXXX was closed immediately without submitting it to the companies involved. I submitted a complaint again last XX/XX/XXXX and got a response from Equifax. The others 2 Credit Bureau 's response is still pending. I am hoping that by submitting this new complaint, all the fraudulent accounts from my credit report will REMOVED and DELETED because I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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 : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, Accounts has violated my rights. 

Pursuant to 18 U.S.C. 8, I owe no debt, this company is violating my consumer right to privacy pursua to 15 usc 1681 b 2 Company has also no permission to report anything using my info pursuant to 15 usc 1681 4 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 non-monetary relief
Consumer complaint received 2017-05-08
Company: State Collection Service, Inc.
State: VT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
STATE COLLECTION SERVICES OF  XXXX  WISCONSIN LODGED A DEBT COLLECTION NOTICE WITH CREDIT REPORTING AGENCIES WITHOUT NOTIFYING ME IN WRITING  XXXX   XXXX  specifically requested they Not notify me in writing and only try to call me.   Since  Robot  Callers cant leave a message i had no idea that   State Collection Services was trying to contact me.
If they really wanted to contact me they would have written a letter to me.     So they acted in an underhanded way to affect my credit rating.   I have requested  XXXX  to show me a bill stating what they claim i owe to no avail ... they just send statements and then harrass you by turning your name over to these agencies.     All conversations have been recorded by  State Collection Serv ices

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$6800.00}

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 explanation
Consumer complaint received 2023-06-16
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: Credit inquiries on your report that you don't recognize

Complaint:
HELLO, I CHECKED MY CREDIT REPORT AND NOTICED UNAUTHORIZED FRAUDULENT INQUIRIES THAT I DID NOT GIVE CONSENT TO. I AM DEMANDING THESE INQUIRIES BE REMOVED WITHIN 4 DAYS AS THEY ARE FRAUDULENT. I AM A VICTIM OF IDENTITY THEFT. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2021-09-30
Company: DISCOVER BANK
State: OH
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:
Disputes were filed for XXXX on the following dates XX/XX/XXXX XXXX # XXXX, XX/XX/XXXX XXXX # XXXX and XX/XX/XXXX XXXX # XXXX. 
Automatic credit was given for XXXX and an investigation for the other charges with a provisional credit. XX/XX/XXXX I was issued a permanent credit for # XXXX later to be reversed on XX/XX/XXXX. On XX/XX/XXXX I received an email notification that dispute # XXXX was valid and the other dispute would be overturned due to new information. The information that I read from the report showed that my son had used my credit card to purchase virtual currency. I called x2 and spoke with different reps the first hung up on me. The second stated that if they continued with the dispute as an unauthorized charge they may have to press charges against my son for fraud. I read her the FCBA she said maybe I should try XXXX again, which was a lost cause in the first place. The rep who was very nice said I'm sorry there is nothing I can do. Even though I explained that no where on that gamer tag or XXXX profile did you find my name, they both insisted I was responsible. The only place you can find my name is in the billing information, and that is not filled out completely. The FTC has assisted with many complaints regarding unauthorized in app and game purchases please help. My credit card company is Discover Card Services, I have been a customer since XXXX. I have no missed payments, and I may have done one dispute in the three years before this. I have detached the information submitted to Discover by XXXX to prove that I made the charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. THESE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I DON'T KNOW HOW THIS HAPPENED AND I HAVE NO IDEA OF ANYONE WHO WOULD BE ABLE TO DO THIS TO ME. I BELIEVE THAT I HAVE BECOME A VICTIM OF IDENTITY THEFT AND IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. 
I AM ASKING THAT RE-INVESTIGATION TAKES PLACE ON THESE ACCOUNTS AND INQUIRIES. I WOULD ALSO LIKE FOR ALL THE NEGATIVE ACCOUNTS AND INQUIRIES BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries On my credit file that I did not authorize. I do not have accounts with these companies nor did I request to have a hard inquiry pulled by these companies. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. THESE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I DON'T KNOW HOW THIS HAPPENED AND I HAVE NO IDEA OF ANYONE WHO WOULD BE ABLE TO DO THIS TO ME. I BELIEVE THAT I HAVE BECOME A VICTIM OF IDENTITY THEFT AND IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. 
I AM ASKING THAT RE-INVESTIGATION TAKES PLACE ON THESE ACCOUNTS AND INQUIRIES. I WOULD ALSO LIKE FOR ALL THE NEGATIVE ACCOUNTS AND INQUIRIES BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have sent numerous dispute requests to Transunion,XX/XX/XXXX and XX/XX/XXXX to remove the addresses that I am not familiar with and do not belong to me. I have sent off this request every 30 days since XX/XX/2020, I have attached my license, ss card, utility bill and bank statements to show my correct address which is : XXXXXX/XX/XXXXXXXX XXXX, TX XXXX I need all other addresses that are not related to me removed from my XX/XX/XXXX,XX/XX/XXXXand Transunion 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 explanation