BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: PA
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:
In 2016 my ex-boyfriend totaled his 2016 XXXX XXXX. I was a co-signer for this lease. The insurance company paid the lease off in full, and sent payment to XXXX XXXX. The lease is still showing up on my credit report nearly 5yrs later. I have called multiple times over the past 9 months to have this removed, and have been unsuccessful. All of the agents/managers tell me to wait, which I have, and it will be removed eventually. That is completely unacceptable, as it is ruining my credit score and my ability to apply for loans. 

All that I am asking for is written confirmation that this is a reporting error, and that it should not be on my credit report. 5 agents have confirmed this with me over the phone, but refuse to put it in writing. I have all of their names and badge numbers, and would be glad to share.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, 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:
Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ].

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request.

It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number.

Also, I want to know who you spokewith and on what date.

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are the following : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX, IL XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Case number : XXXX Account number ending in : XXXX In early XXXX I submitted a claim against XXXX for {$1700.00} because they refused to give a refund originally when I submitted a claim with them. I had to call Wells Fargo to submit a dispute due to no return of service and they temporarily credited my account. Now fast forward, XX/XX/XXXX I received a letter in the mail stating that the claim has been resolved and they would reverse funds on XX/XX/XXXX. On XX/XX/XXXX I called in to Wells Fargo to ask them if they could pull funds on XX/XX/XXXX or XXXX, that way it doesnt interfere with my bills and I can also make sure Wells Fargo gets their money. They submitted a request and when I called in the next day XX/XX/XXXX, they said the request was denied. Now fast forward to XX/XX/XXXX {$1700.00} was drafted from my account. I called in to make a dispute because I didnt know who was pulling money from my account. They informed me that this occurred because of the reversal of credit and then I brought up to them that now my business account is in the negative. This is unacceptable because I was properly handling this from the beginning to make sure My account would not go negative and make sure Wells Fargo was financially taken care of too. I have a phone call verifying that Wells Fargo did a call review and did confirm that I called in to try to have them take the payment out XX/XX/XXXX or XXXX and they denied it. Yet two months later they could just randomly pull out {$1700.00}. And now Im not sure when that money will be paid back because I didnt plan for it and currently on XXXX XXXXXXXX because my XXXX XXXX XXXX XXXXXX/XX/XXXX. This is crazy to me that when I try to properly handle this to make sure Wells Fargo is taken care of, they can deny it but are allowed to take out money whenever from my account without any notice?? 
I also called in multiple times to speak with a supervisor named XXXX and I asked her to send me the disclosure where it states that this is an acceptable thing for Wells Fargo to do and she refused and said I could just look it up online and she ended up hanging up on me. I told her how upset I was that Ive been a customer since 2012 and this is the response that they give for someone thats been a customer in good standing for over 10 years.

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 2023-12-05
Company: EQUIFAX, INC.
State: NJ
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:
My information was sold illegally I was a Victim of XXXX XXXX XXXX. No actions has been taking I did check to see if my information was impacted by the XXXX XXXX XXXX. Claim has been filed against XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To Whom it May Concern, I'm XXXX and waiting for XXXX XXXX  XXXX, I have a hearing on XX/XX/XXXX. XXXX XXXX has been denying requests for payment arrangements. I have XXXX XXXX XXXX XXXXXXXX. I am immunocompromised, and had been working 10-15 hours a week just to survive, to not lose my home. 

My federal student loans have been forgiven because of my XXXX. 

Ive contacted UAS since XXXX, I submitted information multiple times and each time I was told that I did not submit the information required for a payment plan. They have denied all forbearance and one account is a {$370.00} a month. I don't even make that in two weeks. Last month I had to make a payment on a credit card and this month I'll have to do the same, otherwise they will report my credit and lower my credit score significantly. 

XXXX XXXX has been showing predatory loan practices with me for years now. My original student loan balance was {$25000.00} and it is now at {$40000.00}. I graduated from university XXXX of XXXX and was diagnosed in XXXX and XXXX of XXXX. While waiting for XXXX they have been stacking interest and fees that will make it impossible for me to pay back. 

My home is all I have left and I guess they have the loan secured by my home, which I never authorized. I really need help. I currently can't even use my right hand, as I developed XXXX XXXX XXXX over the holidays. 

In short, XXXX has been delaying a payment plan and it is forcing me to pay and amount that is over 50 % of my income and they are actively ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding LLC Collection Opened : XX/XX/2019 Loan Amount : {$820.00} Loan Amount : {$1100.00} This collection account does no belong to me. I have reached out to LVNV Funding LLC/Resurgent twice already to dispute the collections. They have refused to remove this collection from my credit report. They said and I quote that my dispute was " frivolous and irrelevant and that it will not be investigated. '' I've sent validation letters asking them for them to provide a copy of my signature validating this debt. They were no able to provide me with any contracts with my signature on it, no paperwork at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 : XXXXXXXX XXXX XXXX XXXX  : XXXX, XXXX  XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: Security Credit Services, LLC
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
Transunion on my XXXX XXXX wrongfully changed the reporting of my account from paid late 120 days off to a collection/charge off. My credit score dropped XXXX points on XXXX. The company has not corrected this yet. I would like this account to be removed. This was a XXXX XXXX XXXX with XXXX  XXXX XXXX XXXX WA. This campus was closed down.

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 2022-07-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-26
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: Information belongs to someone else

Complaint:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380.00}, XXXX XXXX I, XXXX XXXX Balance : {$4300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-05-14
Company: Experian Information Solutions 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:
Some one has some how got access to my personal information and trying to get credit cards in my name. I have fraudulent inquiries 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 2021-12-06
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employers : XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Updated : 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 non-monetary relief
Consumer complaint received 2023-04-04
Company: EQUIFAX, 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:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a XXXX form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX BANK XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX - XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX, XXXX. 
ACCOUNT # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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:
Greetings, In accordance with Fair Credit Reporting Act my rights has been violated. 

Notice, XXXX, Equifax, XXXX, XXXX XXXX, XXXX or any other XXXX XXXX XXXX XXXX have not received any written instructions as set forth in the Fair Credit Reporting Act and is in violation of Pub. L. 90-321 [ 15 USC 1681B subsection 2 ], Pub. L. 90-321 [ 15 USC 1681A subsection 4 ] and Pub. L. 90-321 [ 1681e ( a ) ( b ) ], Per the IRS Publication charge offs are considered DEBT and should not be reported on credit reports. 


EQUIFAX is Reporting fraud with inaccurate Personal Information. The only accurate mailing location is : XXXX XXXX XXXX XXXX, XXXX XXXX. REMOVE anything else. 

Remove all hard inquires : XXXX, XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX. 

I declare under penalty and perjury under the laws of the United States of America that the foregoing is true and correct. Pub L. 94-550, 1 ( a ) By : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Resurgent Capital Services L.P.
State: VA
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:
This is an update to an unresolved issue!!! I just received my reinvestigation back from LVNV FUNDING. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and the date of the last payment is NOT 100 % accurate. Account # LVNV FUNDING LLC XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). I have attached a their response to my dispute which does not validate that this is my account or debt. They are also in direct violation of 15 USC 1692g ( b ) whereas they did not provide me with validation of debt. Only an online " contract '' in which anyone could have opened in my name. This does not indicate physical proof of debt. This company is also violated 15 USC 1681b ( 2 ) because I did not provide them in writing to furnish this info onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: ALLY FINANCIAL INC.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I filed a complaint against Ally on XX/XX/2023 due to me completing a catch up plan on XX/XX/XXXX and still owing XXXX payment and not in fact being caught up. On XX/XX/XXXX, I received a response stating that they would waive the XXXX payment to make it right and report that I am caught up to the credit bureaus. I have been waiting for the XXXX payment to show waived and it has not. So now I owe for XXXX and XXXX and almost XXXX plus those late fees. I did not make the XXXX payment since it was supposed to be waived, and could not make the XXXX payment because it would go towards XXXX. Now they are talking about taking further actions when they have not followed through with what they stated they would do.

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