BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: GA
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$200.00}

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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.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.

15U.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 then 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 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 2023-07-28
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have sent several letters to XXXX XXXX and Experian about some inquiries on my credit report that were not authorized and since they are fraud should be removed from my credit file, however, they refuse to remove them off my report so I believe they are committing acts fraud right along with the company that is doing the reporting.

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, 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 2023-07-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is regarding complaint # XXXX filed on XX/XX/2023. Equifax requested documentation so they can reinvestigate. I sent them the requested documents including my FTC report via certified mail. Please see attached. And these items still remain unresolved with no proof. They are in violation. Do I need to request a FOIA request for each company to show proof? I mean how far do I have to go to be protected? I've sent my FTC reports to them and the report alone including my letter asking for the deletion should've sufficed. Under code 15 U.S. code 1681I ( A ) ( 5 ) ( A ) ( I ) this reporting agency has continued to say that they have reinvestigated these inquiries, but I have yet to receive any DOCUMENTATION of my wet signature as proof as requested of them. I have been asking them about this for months even before making this complaint. Still NOTHING. These are unverified accounts and I want them removed IMMEDIATELY. Or I will be forced to hold this creditor liable under code 15 U.S. code 1681N ( A ) ( 1 ) ( A ) because at this point this is unjustified, and they are willfully being noncompliant, and I feel violated. I do not need a " continuous reinvestigation '' I need XXXX 's and any hard inquiries that I've requested get removed from my report. IMMEDIATELY!! Or I will be forced to move forward to obtain my remedy. CFPB, I ask for your assistance in this matter as you are the real bureaus here to protect the consumers and they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
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:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have unauthorized charges on my Wells Fargo checking account and debit card. It keeps happening. I have had at least 9 ATM cards replaced this year.

I suspended my online account due to someone changing my information 8 months ago, and I was just informed XXXXw ells Fargo someone set it up and us using it again. 
Wells Fargo continues to send emails to an old account that is not secure, and I've sent I side the brand for this reason. 
Someone cashed one of my money orders, I purchased from my account on XX/XX/22 and I still have yet to receive a solution or my money 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 2021-02-07
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I received a letter from Anderson Financial Network Inc ( AFNI ). The letter stated that XXXX XXXX XXXX XXXX XXXX XXXX XXXX account has been acquired by Afni, Inc. for collections. For {$560.00}. That is not possible as I do not have any Business with XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX Customer Service for fear of potential fraud under my name and information.. XXXX XXXX Customer service confirm what I knew all a long.. There are no accounts are open under my name or SSN. I monitor my credit on a regular basis. Well aware of what accounts are open and close under my name. And XXXX XXXX Has never appeared on my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
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: Investigation took more than 30 days

Complaint:
In XXXX and XXXX of 2021 I filed a dispute with the 3 major credit bureau XXXX, Equifax and XXXX about the inaccurate info being reported from XXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX XXXX XXXX XXXXAccount number XXXX In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Duvera Billing Services, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went to XXXX and was told I could and maybe should apply to get an auto repair loan. In turn I did more than once. At first I was able to pay off the auto loan within three months with the companies promotion to avoid high interest rates and so forth. I then found myself applying for a repair loan again at XXXX and I even stated on the phone that I was hesitant because know I wont be able to pay it off within three months. I asked if the MLA act or SCRA act or something would apply to me since I am a single parent with children and a XXXX XXXX XXXX XXXX. I was transferred to another department XXXX XXXX and told me that I should under the MLA and just send in my ID and XXXX and or any other documents asked for. I wanted to send it in right away and was told to wait until after I got the loan and my vehicle fixed to do it. I sent in the documents and even emailed it and Im still paying a monthly payment with 99 percent interest. Now Im wondering if this even applies to me or was I misinformed? There should be something and or a law that protects veterans and retirees in these situations. Therefore, please do let me know if I do or do not fall under some kind of law that protects my situation from high interest rates or not and if there is something I can do or not and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed 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 explanation
Consumer complaint received 2021-12-31
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of 2021, I found out that a former tenant had stolen my identity. I discovered this during the eviction process & after reviewing my entire credit report. There was a Discover loan account opened up in my name. I immediately notified Discovers fraud unit and also provided them with my Police report, FTC report, Drivers license, and a utility bill. Ive been in contact with several people at Discover ( XXXX, XXXX, XXXX ID # XXXX ). XXXX informed me that Discover was mailing the fraud packet to the wrong address although my address is clearly written on all my correspondence to the company. Discover continues to affirm the accounts. I do not know what more I can do aside from filing a lawsuit against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: IN
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 have filed several disputes, contacted the agencies, contacted the inquiry companies, sent letters, fraud alerts, was a part of the credit reporting breach, filed ID theft reports, from XXXX XXXX XXXX I have spent over 35 hours emailing calling, reporting, researching and several items are incorrect on my report. Filed police report XXXX dispute charge off remove XXXX XXXX XXXX paid in full closed by me, incorrect reporting been closed since XXXX! 
XXXX car XXXX was bankruptcy-disputed These inquiries have been unauthorized and unverified and I want them removed. These inquiries occurred without your knowledge These inquiries occurred without your approval These number of inquiries exceeded what you expected or what I ever applied for Inquiries XXXX  XXXX XX/XX/XXXX NEVER ME!, XXXX  XXXX XX/XX/XXXX Not me! 
XXXX XXXX XXXX  XXXX XX/XX/XXXX NOT ME, XXXX XXXX XXXX , and XXXX  XXXX none of these I ever applied for. 
Experian- XXXX XXXX XX/XX/XXXX Never even heard of them!, XXXX spoke with multiple times, and two XXXX XXXX back to back! I have all my dispute info and proof I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( n.-281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore doesn't exists

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 2022-06-15
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
There was a Victoria secret card opened fraudulently in my name after having it closed in XXXX I checked my consumer credit report and I realized I had a late payment from XXXX. Which makes no sense because my card was closed in XXXX. This late payment has damaged my consumer credit score on a massive level. It has also caused me to have many inquiries on my account because I was wondering why I wasn't getting approved for cards I qualified for. 

I called the company they claim they would rectify the issue ASAP by crediting the account. However I logged into my XXXX  today and it's still showing that I had a late payment. Which in fact I did not. 

Lastly the late payment is also fraudulent. Because according to 15 U.S Code 1666 it's a billing error.

( b ) Grace period " If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additionalfinance charge, such additionalfinance chargemay not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which thefinance chargefor the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of thatfinance charge. '' They are also committing aggravated Identity Theft because I never gave them consent to report my personal information to any third party source or company. Pursuant to 18 US Code 1028A - Aggravated identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: TN
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:
Credit leaked from Equifax in XXXX, they never notified me and now I have inquiries on my account that I did not make ( have n't applied to new insurance, mortgage, credit cards, or anything else that I can think of. ) No notice, no assistance was provided, but yet the credit bureaus stand to make a huge amount of money off this by marketing their protection products, and I have to pay THEM to freeze my credit when they collected it and leaked it without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XXXX months ago I signed up with XXXX XXXX to assist me in resolving my debt crisis. 
XXXX XXXX uses as a financial management company called Global Holdings LLC. 
Today I noticed that a debt settlement with XXXX XXXX  was settled for 50 % off what was owed. A monthly settlement payment to XXXX XXXX was to be paid {$200.00} monthly Only {$50.00} was sent to XXXX XXXX instead. 
Addition moneys was taken out twice to cover unspecified fees for Global Holdings in the amounts of {$690.00} and {$250.00} respectively. 

On a phone call to Global Holdings on XX/XX/2023, the agent could NOT give me a satisfactory reasons for taking two excessive fees from my account. 
Now they have told me if I continue to have the remittance from my bank for seven months, would result in a loan approval to cover more fees and all my debts.

According to Global, My monthly withdrawal of {$370.00} from my checking account. is used by Global to increase my money amount with them. 

.Predatory practice with XXXX XXXX and Global Holdings . Money needs to be refunded.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: U.S. BANCORP
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: Information belongs to someone else

Complaint:
A rather unique situation occurred on XX/XX/2020. My brother in law used my desk top to apply for a credit card with US Bank. My information auto populated and he submitted the application. I wrote US bank informing them the application was submitted in error and to remove the inquiry from my credit report. US bank responded that they would not remove and if I believe my identity was taken to contact their fraud department. I responded with the letters enclosed with a signed statement from my brother in law that he made an error and proof that he has a XXXX XXXX XXXX XXXX. And again, to please remove the inquiry.

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 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix an error 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