BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: AL
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Convergent Resources, Inc.
State: MN
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 an invalid account- I have asked several times for information from Convergent supporting the validity of this debt and they have refused to give me demographics, dates of account open/close, signature to contract with original creditor, date of expiration, payments made to account and more importantly, my identification documents associated with this account. I would like this removed from my credit- this is the third time I have disputed with XXXX and next I will have to file for consumers assistance with credit reporting agency. I would like Date of account open Address associated with account Name on account Social Sec number associated w account Payments made to account Identification associated with account Contract signed/dated on account Date account expires off credit report Detailed explanation of account charges If you can not provide these than it is my right to ask for removal of this account from my credit report. Thank you for your time!

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 2023-10-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 items : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2023, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXXXXXX Balance XXXX {$2100.00}

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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to get into Transunion credit freeze/alert through XXXX for the last two weeks in XXXX. I have a temporary suspension that they can not seem to lift. I have called at least 8 times and each time, they give me a temporary password and each time it fails. Sometimes, the code never comes. Sometimes I put the temporary password in and they ask for a new password but it still comes up " Temporarily suspended ''. Once I actually got in with a new password but tried to get in a second time but was temporarily suspended again. 
At one point last week they said that it has been " escalated '' and a Supervisor was supposed to call me back but after 5 days, nobody called back. 
So here I am with my credit frozen but if I need to unfreeze it, I won't be able to because of their issues and failure to resolve them. 
This is completely unacceptable. The time I've spent trying to get access to what is my information is now ranging in 10s of hours!

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 2023-07-21
Company: Experian Information Solutions 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:
Experian credit bureau is reporting 5 collection charges on my credit report. Ive disputed the issue and they have said it is valid. I have asked for a signed agreement or contract that shows these debts are valid with the company reporting it and that these debts are tied to me. The collection agencies keep on sending old invoices and thats not an agreement.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: CT
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 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 2023-07-21
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I've never applied or opened a XXXX account XXXX I was in a bad accident 2 months ago, the hospital sent me an email saying their patients information was breached ill attach the email. 
XXXX XXXX XXXX XXXX ( Experian ) Bank credit card, i never applied for. 
XX/XX/XXXX - XXXX XXXX ( XXXX ) Blank XXXX XXXX XXXX ( Experian ) bank credit card. i never applied for XXXX XXXX XXXX ( XXXX  XXXX ) Bank credit card i never applied for. 
XXXX XXXX XXXX XXXX XXXX ( Experian ) Never applied for this credit card. 
XXXX XXXX ( Experian ) bank credit card i nevel applied for. 
XXXX XXXX XXXX ( XXXX  XXXX ) Bank credit card. over 2 year drop off period XXXX XXXX XXXX ser ( Experian ) bank credit card, i never applied for. 
XX/XX/XXXX XXXX XXXX ( XXXX XXXX , Experian ) Please take this off my report its over XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX Experian , XXXX XXXX these are reporting too all 3 bureaus and account is passed 2 year mark please remove off my report asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 XXXX is reporting to Transunion that I am the authorized user on 2 credit card accounts, erroneously. I have spoken to a bank manager at XXXX and they confirmed the social security number for the correct authorized user is different from mine. I have tried with both TU and XXXX to get them removed to no avail ... ... ...

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 2023-07-11
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:
I bought an XXXX through XXXX with the XXXX  XXXX payment plan in XXXX of XXXX. XXXX XXXX provides no billing invoices, contacts folks or anything. In XXXX of XXXX I was finally contacted by XXXX and informed that my payment plan was 4 months late ( i.e. they had issues processing the credit card ). I explained there was a change of credit card information during COVID and XXXX told me they understood and this would not be reported to the credit bureaus in any case. I paid the entire balance of the loan immediately. Magically in XXXX, XXXX XXXX reported this loan to the credit bureaus and has since continually decided to make reports monthly not only indicating I had 4 late payments ( seriously affecting my credit score ) but also indicating the account is still open. When I've tried to talk to XXXX, they assure me there is no balance and that the account is closed. If the account is closed, why are you reporting it as open etc. to the credit bureaus? I have over a year and a half of credit bureau reporting at this time for an account that has no monthly payment. This is not a revolving loan. There is no line of credit. This was a payment plan for an XXXX. Affirm and anyone else, report the loan when paid off ( sometimes ) and indicate it is closed. I've disputed the information through XXXX, Transunion etc. and all they simply say is the information reported is accurate. Why would it be accurate that a payment plan that's been paid off with 0 balance is still open? What is the point of this? It is ruining my credit score and there's zero accountability here. I'm stuck with delinquent reporting for an account that is still reporting as live over XXXX a month " missed '' payments. Amazing. As seen in the files, it indicates there is an available balance of {$2500.00} of {$2500.00}. Yet, no mechanism, to borrow such money, or withdraw such money. Why would there be an available balance on an installment plan that's been paid off with a term of " 0 ''. What a mess.

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 2022-10-07
Company: EQUIFAX, INC.
State: WI
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  account number XXXX, XXXX XXXX XXXX account number XXXX, has violated my rights. 

15 u.s.c 1681 section 602 a. States I have the right to privacy.

15 u.s.c 1681 section 604 A section 2 ; it also States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amount was paid in full in XX/XX/2020. A representative of the debtor concern acknowledged same. Collection agency has reported this incorrect information 5 different times, XXXX, XXXX, XXXX, XXXX, & XXXX to credit bureaus thus dropping my score with each submission

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 2023-04-24
Company: EQUIFAX, INC.
State: SC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX ATM withdrawal claim. 
On XX/XX/ I tried went to a Wells Fargo ATM located at XXXX XXXX XXXX XXXX XXXX, FL XXXX in order to deposit cash that I had in my wallet for about {$120.00}. 
The ATM was not accepting my {$100.00} to after the third try I told the ATM to return my money and left. 
The ATM did not return my card right there and then and left my session open long enough so that someone else had the chance to withdraw {$200.00} from my checking account. 
The next day I went to a Wells Fargo branch to make my deposit in person and there I realized I was missing {$200.00} in my balance. I called and filed a claim, which was assigned number XXXX Today, XX/XX/ I called to inquire on the status of my claim and I'm being told the bank has denied the claim, with the argument that : -The withdrawal was only {$200.00} and the bank 's reasoning is that if someone had access to withdrawing money they would have taken more, not just {$200.00}. 
XXXX, who refused to give any ID or last name and said that my claim number should suffice me at XXXX XXXX told me that that is the only reason the bank will disclose to me, because any other information being disclosed would enable fraud. 
-Says also that even if there is a camera at the ATM and they were able to see it was someone else withdrawing my funds from my account it is my fault because I left my card at the ATM, despite the fact that the ATM should have given me my card back when I took my deposit items back, required a PIN reentered with a new transaction, specially a withdrawal, and closed my session promptly to prevent this. 
The ATM is there to replace a human teller, under whose watch this would not have happened. In other words, for the bank 's convenience and lower cost of doing business. 
XXXX XXXX also states that if someone wanted to withdraw money from my account after I was done with the deposit attempt they would have had to reenter my PIN again, ( which I know I did not reenter ) but still my fault because maybe I let someone see it and the bank is not taking any responsibility. 
I have also been told the bank can not provide any written response at the time of this claim being filed with CFPB. 
Attached is a screenshot of my account transactions, showing the unauthorized withdrawal and and the deposit of the cash the day after, on XXXX XXXX  at the physical branch, when the missing funds were noticed.

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 2023-04-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Wells Fargo did not state a reason for denial however upon calling XXXX I was told to " lift my security freeze with XXXX '' by " XXXX '' @ XXXX for " further processing '' & would receive a response within XXXX business hours

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 2019-08-02
Company: The Bureaus, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Bureaus, Inc collection agency is very familiar with FRCA as it relates to proper debt validation. It is also acutely aware of the origins of the Consumer Financial Protection Bureau. And yet, at the risk of having fines imposed, among other things, this agency is taking advantage of me by violating my rights under FRCA and refusing to communicate with me regarding the validity of a debt they have placed on my credit file. 


I have made multiple efforts to engage this creditor in an effort to help me determine the validity of this debt and/or to reach an amicable agreement, if the debt can be verified. When I petitioned the CFPB, this entity like the CRA, XXXX, sided with t he collection agency, The Bureaus, ignoring my rights under the FRCA. ( XXXX   merely accepted whatever information the collection agency provided as debt validation ) I contacted The Bureaus in an effort to work out an agreement. I believe the representative whom I spoke with stated someone would get back to me. I have not had a business relationship with The Bureaus ; no contract, nor have they sent me anything in writing validating their legal right to collect debt in my state. I can not recall ever having any business dealings with The Bureaus , Inc . 

On XX/XX/2019, I mailed via certified mail a request to The Bureaus that they provide me with details of this debt that could help me understand how my relationship/contract, if applicable, with them originated. I asked for specific information that any other person might request to help formulate questions about a debt being reported on the credit reports. The FCRA allows for me to request this information. It also states that if the information is inaccurate and/or can not be verified, then the reported item in this case the collection account has to be deleted by the CRA. 

I am submitting another formal complaint submitted against The Bureaus , Inc. because they have ignored all of my requests to engage in an effort to bring closure to this matter. They have elected to only respond to the CRAs, and not to me, the consumer who is directly impacted by an item that they refuse to validate as outlined by FRCA. 

In every attempt to work with this creditor cordially, they have stalled, taken advantage of the CRAs, tricked this entity ( CFPB ) and responded in ways that avoid answering the center of my complaint ; that they refused to comply with FRCA and will not validate debt. Therefore, it ought to be removed from all three of my credit reports. 

I have attached the letter to The Bureaus of XX/XX/2019 and the signed certified receipt, which confirms by the U.S. Postal Service that The Bureaus received my formal request for debt validation on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: CarMax, Inc.
State: OH
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:
Account is paid and closed with {$0.00} balance. They mailed the vehicle title to me. I own the vehicle free and clear ; however my credit report does not reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: KY
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, has violated mt 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 : also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation