BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXccount # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX XXXX However, they stated everything was complete and accurate. And in ther stall letter stated that I needed to contact them and use their removal tools... I am getting the run around while trying to ADVOCATE FOR MYSELF saying I am using a third party. also I do not understand everything complete and accurate how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX5 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. I have evidence to prove my case atttached are a copy of the letters sent out on XXXX to each of the three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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  and Transunion are reporting an incorrect coding of the XXXX XXXX partial account number ****XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see pages 6 and 7 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2023-05-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was hit with multiple overdraft fees. The bank also allowed XXXX XXXX  to take money out of my account due to a glitch in my phone and when I tried to retrieve my funds through wells Fargo they refunded me my money but then took it back and left me with fees. The bank also gave XXXX XXXX funds out of my account when I explained that XXXX XXXX is incorrect. I also was refunded money through my auto insurance and instead of the agent refunding me on my current account which they had they sent the money to Wells Fargo and I have yet to receive those funds back.

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 2022-11-22
Company: LEXISNEXIS
State: IL
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 continue to go back and forth with the credit reporting agencies regarding these accounts that don't belong to me. Was told to submit my information to the CFPB for assistance. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I unexpectedly lost my job, to no fault of my own. I have had to submit two separate loss mitigation Packages to BBT. Going through their process two times. Each time they give me the run around, misplaced or missed documents I sent in. No reading the evidence Ive sent in. Denying my ability for an FHA Workout program simply bc Im not in default. They said this to me several times as if I need to default on my loan to be helped. The second time around I had to recieved a denials call once again because I am not in default and they said they dont see why I cant pay my mortgage. I lost my patience and said cant she see that Im out of work and have no income??? Im have no money left. 

The woman had no sympathy and said it I want to go through the process I could appeal their decision. 

BBT has been giving me the run around and playing games with my finances ever since I started asking for the FHA program that would allow me to skip a fee payments and put them on the back of my loan. In this time of deep distress they refuse to give me and accommodations and not I literally can pay one more mortgage payment and then I will be completely broke and will loose my home. I am besides myself and thing whatbtheybhave some here is not legal or ethical by any standards

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 2023-11-25
Company: EQUIFAX, INC.
State: TN
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 compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: TN
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 recently had to pull my credit report because I was going to apply for new car and found violations on my account which will hinder me from getting new car. I understand pursuant to 15 US Code 1681a2B any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device '' should be excluded from a consumer report. Well I am pretty sure by definition listed in 15 US Code 1681a is the same as 15 US Code 1602 ( l ) credit card is any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. By definition this is my social security card. I found several accounts which were derived from my credit card a.k.a. my social security card and should by law must be excluded from my credit report. This is a violation of 15 USC 1681a2B. I also did not give written content for none of these accounts pursuant to 15 US Code 1681b2 which is another violation. Consumer reporting agencies are to respect my right to privacy pursuant 15 USC 1681a4 and they did not and violated my rights as a federally protected consumer. I havent been able to sleep, with extreme anxiety, and I am worried I wont be able to get a new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 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 an 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 explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: WA
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: Their investigation did not fix an error on your report

Complaint:
My information was sold and bought illegally because I was a victim of the Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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: Public record information inaccurate

Complaint:
My credit report is reflecting a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted the court and they responded do not to you or any credit bureau for that matter ; therefore the item with the court was either an error or fraudulent. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted 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 2018-10-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a check from a XXXX XXXX company. On XX/XX/18 I went to Wells Fargo at XXXX to deposit a check for the amount {$1500.00}. I received a text message notification from Wells Fargo at XXXX stating As of XX/XX/18 XXXX Eastern Time your available balance for account was {$1500.00}. I completed my XXXX XXXX on XX/XX/XXXX for {$1200.00} XXXX gift card. On XX/XX/XXXX I receive an alert at XXXX from Wells Fargo that states As of XX/XX/18 XXXX Eastern Time , your account is - {$1200.00}. I then go to the back after work to discover the check I deposited two days ago was returned. So I contacted the bank that the check came from told me the account for the check was fraudulent. My issue with Wells Fargo are their controls for depositing checks. How can a check clear the bank a day later to be return two days later. Are there not control measures that are used to communicate with other financial institutions to confirm the money is available in order to prevent a return check if there were no monies offered for same day use of check deposits made? I went to the back to get a copy of the check and the teller said I would have to speak to a banker but the bankers were completely swamped so I called the customer service line. The representative on the told me due to me depositing the check I am liable for the loss. The representative said my only option was to file a police report which I did on XX/XX/XXXX. The officer assigned to my case contacted me on XX/XX/XXXX to get my statement and asked for me to send all documentation I had from the scam. I did so and tried to get XXXX to release the location, date, time and product purchased in order to give the information to the police but was denied due to laws. XXXX suspended the gift card and which had a remainder of {$10.00} on it. I have not heard from the police officer I filed my report with since XX/XX/XXXX. The entire experience could have been eliminated if Wells Fargo would have use proper control measures to ensure the check was legitimate instead of waiting two days to figure out the check was fraudulent.

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 2023-02-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-02
Company: Experian Information Solutions 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:
I asked the credit bureaus to do a verification of some accounts on my credit report, they did and stated that everything was accurate. 
I did a research myself found improper and inaccuracies on my credit report after they did their research. 
I have attached the accounts information.. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX listed on the attachment, 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 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-10-20
Company: Heavner, Beyers & Mihlar LLC
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I ask the Debt Collectors to prove that I owed them the debt when they filed a lawsuit against me, but it is pass the Statue of Limitations to collect on this debt, however, they were still granted a Summary Judgment and I would like to report this business to seek relief from this crime or unfair consumer practices of XXXX as Trustee, XXXX XXXX, XXXX XXXX XXXX, XXXX and Heavner, Beyers & Mihlar, LLC.

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 2018-10-20
Company: Colony Brands, Inc.
State: PA
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:
An account was opened without my permission on XX/XX/XXXX with Through The XXXX XXXX  and another account opened on XX/XX/XXXX from XXXX and XXXX I believe through mail order Catalogs and charges were incurred in my name, I have never made a payment on these accounts and asked for proof that I opened the accounts and both the companies failed to produce it and refuse to remove them from my credit report and have it last reported in XX/XX/XXXX and will not release it from my credit records, I have tried multiple times to dispute them but have not gotten satisfactory resolution. This has prevented me from obtaining credit and caused me to pay higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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: Public record information inaccurate

Complaint:
My credit report is reflecting a bankruptcy >Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I contacted the court and they responded do not to you or any credit bureau for that matter ; therefore the item with the court was either an error or fraudulent. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Report : XXXX****-Balance {$240.00}

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 non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX # XXXX Account name : 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 Account # XXXX XXXX However, they stated everything was complete and accurate. And in ther stall letter stated that I needed to contact them and use their removal tools... I am getting the run around while trying to ADVOCATE FOR MYSELF saying I am using a third party. also I do not understand everything complete and accurate how is that possible if the open date, date of last activity and much more is incorrect. 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. I have evidence to prove my case atttached are a copy of the letters sent out on XXXX to each of the XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: Colony Brands, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have previously reported the company by the name of home @ XXXX because there is no way of communication and I have this account on my credit report for several years now the amount that is owed is XXXX and it has had a negative impact on my credit score please look further into investing this manner

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: MN
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief