BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
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:
THIS IS NOT A DUPLICATE! 

The credit bureaus stated that my file was properly investigated but how is this possible when my personal name and address is not correct. I have already attempted to correct the following issue with credit bureau. Incorrect names : XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX ; Incorrect address : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX Virginia XXXX ; XXXX XXXX XXXX XXXX, XXXX, Virginia, XXXX XXXX XXXX XXXX XXXX, Texas XXXX ; XXXX XXXX XXXX, XXXX, NJ XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, Texas XXXX This is grounds for removal they also violated my rights under 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 : States a consumer reporting agency agency can not furnish an account without my written instructions. Also the credit bureau took more than 30 days to complete my 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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 NUMEROUS 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-01-07
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: Account information incorrect

Complaint:
I am writing to request a XXXX for a charge-off that was written off and I never got a XXXX to see how much of it got written off. I understand that this charge-off has been reported to the Internal Revenue Service ( IRS ). I am requesting the form XXXX to be sent to me for the following accounts : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Unbelievable how this customer service treated me I called tonight to order deposit tickets which was always free and they want to charge me for something that has always been sent to me for free and then when I have the beyond checking And qualify for free checks they also wanted to charge me horrible I want {$80.00} for this inconvenience they have caused me ruined my night didn't treat me loyal or in the past deposit tickets were always free and then the lady said she is having a hard time with her system and that I should call XXXX XXXX Why when its my bank that has always ordered deposit tickets and checks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
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: Information belongs to someone else

Complaint:
I notice an account on my credit from XXXX XXXX XXXX. I have never had an account with this company at all. I tried to reach out to the company & they are not assisting me & telling me this account is mines. I was a victim Of identity theft & I have disputed this items a few time going back to XX/XX/2019 & also sent in a dispute every month after that. 

This account were removed from XXXX  on XX/XX/2019 however XXXX & equifax will not removed this. 

By law all bureaus should show the correct information. 

My police report is on file with all bureaus and all documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Continental Finance Company, LLC
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To explain this concisely- in XXXX I received a random credit card in the mail. When I called I was told it was merely an offer which I later learned was incorrect- as it turns out an existing account had been sold to their company. 

Since that time, they could not locate my XXXX payment and assessed a late fee. Both were later corrected however a second late fee then posted in error on XX/XX/21 and suddenly theyre trying to say that I am a payment behind which is not true. My invoice correctly shows a payment of {$35.00} due however, when I logged on to pay it, it mysteriously indica that {$35.00} was past due was a total due of {$70.00}. Not accurate. 

I have since paid {$35.00} ( for my XXXX payment. ) They have corrected my late fee but today I received a letter from XX/XX/21 ( the date the late fee posted ) that a payment was returned for insufficient funds. This never happened. Totally false. No payment was ever returned for insufficient funds. 

Everyone you get on the phone says something different. I have to start from the beginning each time. No one calls back. A person who isnt on top of their affairs and/or who isnt savvy in handling problematic issues like this would easily fall victim to the myriad of false information presented by this company. Whether their business practices are purposely deceptive or they are just truly inept, there is a huge problem with the way this company does business and it should be looked at.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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've sent several Disputes to TransUnion, I have called them 5 times and can not resolve my unauthorized inquires through them. If you call them you can not get anyone in the United States to talk too. There reps are all over seas. I've talked to the creditors about the situation and they all tell me to contact Transunion to have them removed. Transunion tells me the opposite. I've called XXXX, and XXXX and they had no problem removing them that day.

I wish the CFPB would take over TransUnion at least our credit reports wouldn't be in the hands of people overseas. Also the CFPB actually follows FCRA.

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 2023-11-11
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Subject : Dispute of Medical Debt and Request for Cease of Communication Dear [ Collection Agency Name ], I am writing to formally dispute the validity of the medical debt that your agency is attempting to collect from me. I would like to emphasize that I did not sign any contract with your agency, and therefore, I do not owe any payment for the alleged debt. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that you cease all communication regarding this debt immediately. Furthermore, I urge you to remove this debt from my credit report as it has significantly impacted my ability to lead a fulfilling life and utilize my credit due to the negative item you have placed on my report. 

I would like to bring to your attention that the information relating to my medical debt, including the billing details, is protected by the XXXX XXXX Portability and Accountability Act ( XXXX ). This legislation ensures that my medical information remains confidential and is not shared without proper authorization. Therefore, any disclosure of this information to your agency is a violation of my privacy rights. 

Moreover, I have taken the necessary steps to cc the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) to ensure that they are aware of the ongoing dispute and the inaccuracies present on my credit report. I have been diligently working to rectify these errors, as they have caused significant distress and have negatively impacted my financial opportunities. 

It is imperative for your agency to understand that I have not entered into any contractual agreement with you regarding this medical debt. Therefore, any attempts to collect payment from me are unjust and unwarranted. I request that you provide me with documented proof of this debt, including a signed contract or other legally binding evidence that establishes my liability for this obligation. 

I implore you to thoroughly investigate this matter and take immediate action to remove this inaccurate information from my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that all reported information must be accurate, verified, and not misleading. 

I expect to receive written confirmation from your agency within the legally mandated XXXX period, acknowledging the receipt of this dispute and providing me with an update on the actions taken to address this matter. 

Thank you for your immediate attention to this dispute. I trust that you will handle this matter with the utmost professionalism and resolve it promptly. 

Sincerely,

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 2023-12-04
Company: EQUIFAX, INC.
State: GA
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 writing to express my frustration and concern regarding the persistent inaccuracies on my credit report. Despite numerous attempts, I have been unsuccessful in correcting late open accounts and removing a public record, which is affecting my creditworthiness and causing undue stress. 

I have made numerous attempts to correct these inaccuracies by following the proper dispute procedures. However, the corrections have not been implemented, and these inaccuracies continue to adversely impact my credit profile. 

I understand the importance of an accurate credit report and the impact it has on my financial well-being. I am requesting an urgent and thorough investigation into these matters, with the following expectations : I have attached supporting documentation, including Driver 's License and Proof of Blilling.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies in a timely manner. 

I request that you conduct an expedited investigation into these matters and provide a written response, outlining the results of your investigation and the actions taken to correct the inaccuracies. I am asking for your assistance to correct these late open account and remove the public record in my credit file : XXXX XXXX XXXX Balance Owed : {$2000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX XXXX Balance Owed : {$950.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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 XXXX XXXX XXXX XXXX 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 any< purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
law offices mba showing on XXXX  FTC violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: IL
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 to the Fair Credit Reporting act XXXX XXXX XXXX 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 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 2023-12-04
Company: EQUIFAX, INC.
State: AK
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
Consumer complaint received 2023-08-16
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account Number XXXX 15 U.S.C. 1681, section 602.A states I have the right to privacy.

15 U.S.C Section 604. A.Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2023-01-07
Company: WELLS FARGO & COMPANY
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed by a person targeting elderly individuals and i incurred heavy losses and Wells Fargo made no attempt to help me recover the losses. The person that scammed me had accounts at Wells Fargo and they could have done more to attempt to recover the losses i incurred since this person was an existing customer. leads me to believe that they are afraid that they allowed this person to defraud their own customers.

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$380.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2023-04-22
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$380.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: MI
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:
When I see my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$11.00}, XXXX XXXX XXXXXXXX Balance : {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
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: Account information incorrect

Complaint:
These inquiries are unauthorized, and I have contacted the creditors ... and was informed that you should promptly delete ... and that they will and have not verified this Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation