BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I canceled equifax credit services and they keep enrolling me in it, without my consent, as well as trying to charge my card after cancellation without my consent and making it difficult for me to cancel online, and offering me no explanation when I called in to stop them from charging me for the membership I canceled. Dropping my score when the payment fails. Disabled my cancellation button after I cancelled. When I called the answer I received was I canceled in the middle of a bill cycle so the product does not cancel even though I cancelled it. I dont understand the explanation they gave me when I called them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.

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 2023-03-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Commonwealth Financial Systems, Inc.
State: FL
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:
CommonWealth Financial ( XXXX license XXXX ) showed up on my credit report, without any notification of debt, and also without notification of my rights, and also without any furnished proof of debt pursuant to FDCPA -= Under the rules of the FDCPA, debt collectors are required to provide details about each debt they are attempting to collect by SENDING WRITTEN NOTICE with the following information : Name of the creditor Amount owed Instructions on how to repay the debt. Common Wealth Financial NEVER SENT OR SUPPLIED ANY SINGLE NOTICE regarding any debt collection attempts or purchase. Additionally the origination never sent notice of sale or transfer of the debt. They unlawfully took harmful action on my credit report for an invalid and old debt collection, while also violating FDCPA with lack of regard to the appropriate lawful procedures for debt collection. A complaint to the State Attorney General XXXX XXXX, the XXXX XXXX XXXX XXXX against Common Wealth and their decision to ignore the laws of the FDCPA has also been made. I will continue to pursue all legal force against Commonwealth for violation of my rights and damages incurred under FDCPA if they continue to report harmful information on my credit file. They are required by law to remove this information for consumer abuse with their failure to follow FDCPA. CFPB should forward this notice also for compliance and legal fines as applicable by the FTC. XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, I received a notification that ( 11 ) delinquent accounts were added to my credit file. After review, it was ( 11 ) US Dept of Education accountsthat were deleted in XXXX ( due to being re-aged by the original creditor ) .Pursuant to 15 U.S.C . 1681i ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act, TransUnion was obligated to notify me, in writing, no more than ( 5 ) business days after the re-insertion of these accounts ( this did not happen ). TransUnion received my credit dispute on XX/XX/XXXX regarding this matter and other discrepanciesfound on mycredit report. 
On XX/XX/XXXX, TransUnion made initialcontact with me -- -they provided a copy of my credit report and acknowledged that I had a dispute in progess. On XX/XX/XXXX, I contacted the company by phone because I had not received the results of my credit dispute.I was transferred to an international supervisor by the name of XXXX. Once I was transferred, I began recording the call. I asked XXXX, on which date did TransUnion mail out my dispute results. He told me twice before opening my file, he could mail it thatday ( XX/XX/XXXX ) if it had not been mailed. After reviewing my file, XXXX confirmed that TransUnion did not mail out the dispute results. I informed XXXX that TransUnion was in violation of the Fair Credit Reporting Act and that all items I disputed needed to be deleted. We went through the following items : ( 11 ) US Dept of Education accounts XXXX, a late payment listed on the XXXX XXXX account, ( 6 ) inaccurate addresses, and ( XXXX ) inaccurate phone numbers. ( I have attached the original documents sent to XXXX for your reference ). 
XXXX advised me that all items referenced on the call would be deleted and I would receive a mailed copy of my credit file in 7-10 business days. On XX/XX/XXXX, I attempted to log into my TransUnion account but was denied due to an " ongoing investigation '' I never requested. Instead of deleting the items that TransUnion failed to investigate, XXXX began a brand-newdispute on my behalf. Again, the conversation was recorded, I did not request a new investigation. This is a violation of my rights under the Fair Credit Reporting Act and I am not opposed to litigation if this violation is not corrected immediately.

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 2022-07-20
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 XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-16
Company: EQUIFAX, INC.
State: CO
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions 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:
Credit reporting agencies, they are refusing to do a proper investigation, Pursuant to 15 usc 1692 ( g ) also these agencies have Traffic my personal identifying information, according to 18 usc 1028 ( 12 ) ( a ) ( b ) By law I have a right to privacy, according to 15 usc 1602, I have a right to the pursuit of Life, Liberty, and happiness,

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 2022-06-05
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 status incorrect

Complaint:
I have a XXXX account that I opened XX/XX/XXXX. Apparently, XXXX changed the banks the company uses for purchases on several occasions and every time this happens XXXX reports to the credit bureaus that I closed my account. From my understanding, the letter I received from XXXX about these changes stated that I will continue to have the same customer number, but they will provide me with a new XXXX account number. The issue is that on my credit report it shows my XXXX account that I originally opened which listed as by " XXXX XXXXXXXX XXXX Account '' on XX/XX/XXXX. This account was fraudulently reported as being closed on XX/XX/XXXX. Another XXXX account listed as " XXXX XXXX XXXX  Account '' was fraudulently reported that I opened this account on XX/XX/XXXX, following the " supposed '' and " fraudulent '' closure of the previous account which was fraudulently reported as being closed on XX/XX/XXXX. This account was also fraudulently reported as being closed on XX/XX/XXXX. Lastly, another XXXX account listed as " XXXX XXXXXXXX XXXX Account '' was fraudulently reported as being opened on XX/XX/XXXX, which contradicts the previous reported date of my XXXX  account being closed on XX/XX/XXXX. This account is reported as still being active. My customer number on these accounts did not change, but there were changes to me XXXX account number on all of them. At the moment I do not have access the different account numbers that were provided to me. I am currently trying to retrieve them from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have sent out numerous letters. 

The Credit bureaus stated XXXX XXXX XXXXXXXX # XXXX was properly investigated and verified but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violate my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I havent given this account written permission to furnish this account on my credit report as well.

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 2022-10-28
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX - Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score XXXX- Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score Experian- Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score

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 2022-10-28
Company: EQUIFAX, INC.
State: AL
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:
XXXX - Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score Equifax- Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score XXXX  Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
Account # XXXX valid XX/XX/XXXX Phone # XXXX I mailed a dispute to Experian regarding late payments to XXXX XXXX  Credit Card on XX/XX/XXXX they received on XX/XX/XXXX. I received the results of dispute on XX/XX/XXXX. The date is currently XX/XX/XXXX and there is still no Notice of Dispute on my Experian Report which is a violation of FCRA section XXXX. The fine of {$1000.00} per occurence. Please have the 30 day late payment from my credit report and fine Experian, for blatantly disregarding the FCRA laws. I spoke to the credit card company and they stated that they never received dispute from Experian. Thank You 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
Consumer complaint received 2022-11-01
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Sunday XX/XX/2019, I went to deposit money after to work into a walk up ATM at Wells Fargo XXXX XXXX XXXX, XXXX, VA XXXX when the ATM froze during my deposit. I reached out to Wells Fargo Customer service number to file a report. I received an Email saying money would be credited back within 2 business days. It is no Thursday XX/XX/2019 and nothing has been resolved. I was also told over the phone at the branch themselves that there would be no manager today to help me. I reached out to the AG office of Virginia and was told you would also be able to help. I have attached time stamped photos of the ATM frozen during my deposit. 

Cheers XXXX 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
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2022-11-01
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:
This agency is violating my rights as a Federally Protected Consumer, according to the Fair Credit Reporting Act 15 usc 1681 ( a ) ( 4 ) ( b ) As I have a right to the pursuit to Life, Liberty and Happiness, Equifax is disruptive in my life, Also have Traffic my Personal Identifying Information without written consent, Also Affiant has a right to privacy according to 15 usc 1602

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Republic State Mortgage Co.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was locked in to a rate and told that if rates dropped more than .25 % of a point that I would get the lower rate. Rates dropped more than the set amount but XXXX would not honor the emailed agreement and kept me at the higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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