BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-10
Company: EQUIFAX, INC.
State: NC
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:
I have been battling with Equifax for well over 5 months trying to get these inquiries that I do not recognize removed. I was notified that I first was part of the Target information breach and then XX/XX/XXXX I was part of the 2nd Equifax Breach over and over I get some one that does not speak English being condecinding and rude when I am trying to resolve the issue that was not my fault in the first place it was their system since someone hacked it I am now just trying to remove what I did not initiate. Not all Inquiries are false I have provided the ones below that I do not recognize. You can definitely admit 40 is excessive that is crazy my other reports dont have 42 and i do not have that many accounts and if they check their records i have faxed multiple dispute requests, called multiple times and I have also attempted their protocol and reached out to each of the 21 of the Inquiries are not mine. When I called the creditors like Equifax told me to do they have no record of my initiation of requesting credit on the dates the inquiries are on my credit and they atre on my credit ran multiple times sometimes 2 times with in the same day. So going back and fourth is getting me no where I can 't dispute something nobody has record of yet Equifax considers it factual yet never validated any part of that record.

27 Inquiries I have no Knowledge of : 1. XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX  XX/XX/XXXX 16. XXXX XX/XX/XXXX 17. XXXX XX/XX/XXXX 18. XXXX XXXX  XX/XX/XXXX XXXX 19. XXXX XXXX  XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: MD
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:
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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-02-07
Company: Experian Information Solutions Inc.
State: AZ
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 reports from XXXX and Experian both show an account, XXXX XXXX XXXX, showing negative payments for a time period that they did not own, nor service the debt. XXXX XXXX XXXX, only should be reporting XX/XX/XXXX through XX/XX/XXXX. These negative payments are now showing twice, XXXX from XXXX XXXX XXXX, and again from the prior creditor. Also, I paid on time in XX/XX/XXXX, yet XXXX XXXX XXXX is not reporting it. I have contacted XXXX, Experian and XXXX XXXX XXXX each several times to resolve this. XXXX, however, removed the XXXX XXXX XXXX from my credit report after their investigation.

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 2023-04-20
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
See attached!! Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am a federally protected consumer. I know my rights and I understand the law and what it entails. I sent in dispute letters requesting fraudulent items to be removed from my consumer report. It has been over 30 days and the items are still furnished on my consumer report. Pursuant to 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave XXXX, XXXX, and Transunion written consent to report anything on my consumer report. No consent is identity theft! If they are not removed I will no longer extend my credit or allow XXXX, XXXX, and Transunion to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX, XXXX, And Transunion allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. There is no way an account that a medical bill breaking my rights due to HIPAA should be placed on my consumer report this is illegal. As well as an account that is a part of a finance charge which is violation my rights and I am owed {$1000.00} per violation for. If XXXX, XXXX, And Transunion wants to continue doing business with me they should delete the inaccurate accounts from my consumer 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 2023-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been depositing the same checks from the same reputable company for almost a year, every time I deposit this check, its put on hold and Im not able to access my funds because the bank states its suspicious. This is extremely discriminatory and offensive. I am not able access the money for around a week after I deposit the check. The funds have always cleared and Im still being treated as a suspicious person depositing questionable checks for almost a year with no valid reasoning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Kauntey Mediation Services LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Kauntey Mediation Services left a robo message on my cell number to call regarding a case. My next door neighbor also rec 'd the same call FOR ME. My boyfriend also rec 'd the same call FOR ME. These calls came from a XXXX phone number and left a message to call XXXX. They called my cell and my boyfriends number again today. I do not know what they are calling about as they have hung up on me every tried to call to get the company name and physical address. I want to mail a letter asking them not to call my neighbors or my boyfriend as I have never entered into financial arrangements with either of them. They are refusing to give me any information. My neighbors are elderly and the call scared them. I want these types of organization shut down. It is beyond ridiculous that a neighbor is even getting a call. My bf and I can handle scammers but the elder can't.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
No one has assisted me in filling out this form. 

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 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 XXXXXXXX 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 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX University did not provide any accommodations as a XXXX student and stated that there were no accommodations for online students because they were studying at the comfort of their own home. They stated that the only accommodations available were for on-campus students. After delegating with Mrs. XXXX XXXX, a XXXX specialist, she promised to send a certificate of XXXX document. She never sent it and when I questioned her, she admitted that she forgot to send the document. Because of the lack of competence and care for minority class students, I have a debt of over XXXX that XXXX has been harassing me over. The debt was caused by them after urging me to withdraw from my classes. They did not care that this would affect me negatively. After I conceded and withdrew from my courses, XXXX reported me to the Education Department for fraud. This has caused serious complications in continuing my education. I have been denied access to education by XXXX University, XXXX University, and was put through a very arduous process due to this false statement and accusation. Because of this label, the FSA and its employees have mistreated me and abused me verbally. In recent, I spoke to a woman who verbally spoke to me in a violent manner. I felt threatened by her demeanor. XXXX did not protect my rights as a student and a protective class. They did not implement any affirmative action on my behalf and subjected me to more harm than good. I not only have a large debt but the debt prevents me from getting any private loans like the Grad Plus Loans. I was recently denied and needed an endorser. Given this ordeal, I am requesting a fair resolution below.

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 2019-06-11
Company: EQUIFAX, INC.
State: NM
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:
Please reverse the late payments reported on the following accounts : XXXX   XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: LEXISNEXIS
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/2023, I submitted a Notice of Dispute and Request to Remove Incorrect Information from my LexisNexis Accurint Report ( XXXX ) to XXXX regarding the incorrect Employment Records that LexisNexis is reporting on my LexisNexis Accurint Report. On XX/XX/2023, I submitted a Consumer Financial Protection Bureau ( CFPB ) complaint ( XXXX Complaint # XXXX ) via the CFPB Consumer Portal regarding the incorrect Employment Records that LexisNexis is reporting on my LexisNexis Accurint Report. On XX/XX/2023, LexisNexis responded to XXXX Complaint # XXXX with an attached letter titled XXXX XXXX ( XXXX KB ). LexisNexis ' response to my complaint is insufficient. LexisNexis response states : Please note that employment, phone, address, drivers license, and property records listed on his Accurint report can not be removed from his report. Instead of correcting the incorrect information, LexisNexis attempted to claim that LexisNexis is NOT a Consumer Reporting Agency and that my LexisNexis Accurint Report is not governed by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
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 status incorrect

Complaint:
XXXX  of 2017 during Hurricane Harvey we spoke with our mortgage company XXXX/XXXX XXXX and they agreed to let us work on a payment plan due to the devastation of the hurricane. They agreed to report the payments as being on time yet when I received a copy of my credit report the months they agreed to report as current are showing delinquency. I tried to dispute it with the bureaus thinking the problem was they were not communicating with the company but they indicated they did. I was told buy XXXX/XXXX XXXX it shouldn't be reporting late. I don't know what else to do can you please help me get this resolved?

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 2020-08-18
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XXXX, Equifax and XXXX I am sending my Affidavit from the Federal Trade Commission which state the student loan for {$49000.00} is fraudulent and not mine. 


The FTC advice me to close this account due to identity theft. I have filed a police report. The Department of Education has already started an investigation. The student loan for {$49000.00} is fake because XXXX XXXX legally was not my lender nor owner of my student loan. XXXX never sent me any legal document I signed for a loan in the amount of {$49000.00}. XXXX never sent Disclosure statements required under the Higher Education Act. Truth IN Lending. So close this account while the investigation is in process with the FTC and Department of Education and other law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I open a business account with Truist bank I spoke with business department to apply for their No/Doc line of credit in which I was totally eligible for.the first issue was instead of her just letting me apply she tried to get me to apply for loan that requires collateral after I tell her that not what I wanted she sent me an application for XXXX lower than what I asked after she finally fix that she sent email stating I was denied for delinquent credit history under law 15 USC 1691 ( a ) 3 I cant be denied credit or loan because law 12 USC 1431 Banks cant loan money they are borrow

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 2021-02-19
Company: EQUIFAX, INC.
State: CA
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 disputed information on my Equifax credit report multiple times and it continues to stay. XXXX XXXX XXXX  account is reporting 120 days late. XXXX XXXX  provided me an affidavit that they would correct their reporting and remove the 120 day late in XXXX of XXXX. As of XX/XX/XXXX the account was still reporting 120 days late. I disputed with Equifax while providing the affidavit and twice now they are continuing to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX, XXXX and TRANSUNION I am sending my Affidavit from the Federal Trade Commission which state the student loan for {$49000.00} is fraudulent and not mine. 


The FTC advice me to close this account due to identity theft. I have filed a police report. The Department of Education has already started an investigation. The student loan for {$49000.00} is fake because XXXX XXXX legally was not my lender nor owner of my student loan. XXXX never sent me any legal document I signed for a loan in the amount of {$49000.00}. XXXX never sent Disclosure statements required under the Higher Education Act. Truth IN Lending. So close this account while the investigation is in process with the FTC and Department of Education and other law enforcement.

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 2018-07-03
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company is using an automated system to call 4-8 times per day and doesn't leave a message. When I called back and asked why they would call me this many times I was asked the following : " Are you having a bad dayyyyyyyy? '' " Aww, who hurt you? '' " You sound troubled '' When asked to speak with a supervisor I was told 3 times unfortunately no one was available. 

When I asked to be taken off any kind of automated system they hung up on me. 

When I told them this debt wasn't real and I'd already tried Names : XXXX - supervisor employee ID # XXXX. - he let me know he plans to allow his team to call me as many times in the day as he feels like because he knows the laws and he doesn't mind breaking them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is the third request. Claim # XXXX. This should have been one claim with Wells Fargo, not two. This claim was made once my old card was declined, and I received a notification that my new card had been activated. I NEVER RECIEVED MY NEW CARD. Wells Fargo has said that I'm lying and technically committing fraud stating that the {$2500.00} dollar withdrawal or bank transfer or bank transaction was completed by me or someone I authorized to use my account. Which is all not true. The details to this transaction I don't feel have been properly investigated. The first half of my claim ( which Wells Fargo separated on their own # XXXX in the amount of {$1200.00} ) was returned to me. I did not file two separate claims. These transactions happened on the same day and apparently with the same card which i was not in position of. The replacement card that I did not activate and was not in possession of. But yet they have sufficient evidence to overturn those transactions. The investigation was not completed, or the investigator is limited. She did not have the answers when she called either. This is my original complaint that they closed. 


Replacement card was ordered. Never received it. Old card was declined ( XXXX XXXX ) while trying to buy lunch. prompt me to check my checking account. That is when I saw an atm withdrawal, of {$1000.00} then a, " In branch '' withdrawl of {$2500.00}, a restaurant charge of {$50.00}, and a motel room charge. Called Wells Fargo to report the transaction and to advise them I did receive the replacement card, I only was in position of the original card that I was requesting to replace. They then closed account and reopened a new one and said they would investigate it. I received two separate letters dated 3 days after the claim was filed, that the claim was denied because someone I knew, or I performed this transaction with use of a pin number. I have reached out to escalate the matter. i was told an investigator would contact me in two days. This has not happened. I was told the XXXX dollar was an ACH withdrawal. we asked what that meant, and she couldn't really explain. We have filed a police report with our local pd.

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