BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
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: Personal information incorrect

Complaint:
XXXX recently sent me an email and mail about my information being in the XXXX data breach. Once I discovered this I pulled my credit reports and found there were multiple addresses that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the addresses and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Address ID # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX have attached a copy of my ID for identity verification and a bill for address verification.

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 2020-04-11
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I've had my name and XXXX  changed since XX/XX/XXXX, and have since repeatedly contacted Equifax to change the information, but they report that I have to change it with my accounts ( with student loan agency XXXX ), which I have done already, but there has still been no changes. My first, middle, and last name were changed, and were changed with the SSA in XX/XX/XXXX. My State Driver 's License has been changed since XX/XX/XXXX. It should be noted that the name change is confidential and sealed by the courts for the purpose of my personal safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 I went in to a Us bank branch and deposited {$5000.00} dollars and only got credit for {$500.00}. After disputing this for 2 months US bank claims theres no error or anything wrong with their machines when I simply put in XXXX bills of {$100.00}.

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 2018-03-07
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 status incorrect

Complaint:
I live in XXXX, FL and was affected by Hurricane Irma in XX/XX/2017. During that time I contacted XXXX XXXX and was advised that I can be placed on a 3 month forbearance plan that would NOT adversely affect my credit due to the natural disaster assistance. I accepted the plan and made payments accordingly. However, to my surprise, XXXX reported my XX/XX/2017, XX/XX/2017 and XX/XX/2017 payments late. This is an error and a violation under the Fair Credit Reporting Act. 

I am requesting for the 3 late marks to be removed as it has caused my credit score to drop drastically and is causing problems with the purchase of my first home. I expect this issue to be corrected promptly and I need notification of the same. 

You may check the phone records to review calls where I was advised that my credit would not be affected once I was placed on this forbearance. 

I contacted XXXX to resolve this issue and the agent said, I apologize that you were misinformed but there is nothing we can do. This is unacceptable and I feel that I was tricked into getting in the forbearance plan by the agent. If you look at my credit history all of my payments have been timely period to the 3 late marks reported in XX/XX/2017, XX/XX/2017 and XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The companies refuse to take off incorrect information off my reports. They are violating my consumer rights and laws. 15 USC 1681 a ( e )

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 2018-10-22
Company: First Texas Auto Credit, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Following months have not been reported and my payments were made on time. 
XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX have not been updated.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 showing up again. I spoke with XXXX- this never should have been charged to me. I had nys no fault AND private insurance AND NYS Medicaid as I was pregnant. They advised me they would be removing it. 

Now its back on my credit report, apparently from a collection agency, that I have never heard from either.

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 2020-04-11
Company: LEXISNEXIS
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:
I filed a bankruptcy in 2014, I did not consent for XXXX XXXX to look into my records and send it to credit bureaus. 
Is this legal? 
I had bankruptcy for four months and cancelled it ... why do we have to suffer for 7 years of bad credit? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed this Bankruptcy chapter XXXX-discharged XXXX for months.XXXX and XXXX have Deleted them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of 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 2023-03-09
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ate 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 explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX is in violation of my rights.. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 604 A Sections 2 It also states that A consumer reporting Agency can not furnish account with out 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 2020-04-11
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted my mortgage servicer ( Wells Fargo ) on XX/XX/2020 about A border line adjustment to my property because i am purchasing land from my neighbor. I am buying the land with cash and just need them to sign the documnets. They have been trying their hardest to drag it out and create problems even thopugh it doesnt involve them. I finnaly got them to sign the application for the county on XX/XX/2020 after going back and forth with them for weeks. The county approved the application and sent us the plat certificate that needs to be signed by wells fargo. On XX/XX/XXXX when we are ready to close the deal, all the sudden Wells Fargo want 's an appraisel for some reason, even though adding land will clearly not deminish the property value. They had never mentioned it once prior to this date. The appraisel was ordered and we talked to the appraisel company and they can't get ahold of Wells Fargo to see what kind of appraisel is required because it doenst make any sense to do an interior appraisel. They will not proceed until they talk to them. The Wells fargo employees will not return phone calls or emails regarding the issue. It is complety unresonable for this to be taking over 3 months now for a transaction that doesn't really affect them. It is a XXXX XXXX loan that they service, or lack service for.

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 2018-10-04
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have already filed a complaint with other bureaus but EQUIFAX continues to report this false debt to my name. I have attached documentation to show that I paid this balance that was owed to the original place of business - XXXX XXXX XXXX. I do not owe this collection agency anything, nor did I ever! 

THIS IS UNTRUE. I have called XXXX and Equifax several occasions and nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
My husband and I have a home equity line of credit ( HELOC ) with BBT/Truist , valued at {$100000.00}. Prior to last XXXX, we had a balance owed of approx {$16000.00}. In XXXX, we used approx {$5500.00} more for home expenses, then visited to the bank branch to request a " freeze '' on the interest rate. This would total approx {$21000.00} balanced owed for both loans. 

The branch manager froze the interest rate of the {$5500.00} amount, and kept the original {$5500.00} on our account -- thereby creating a third withdrawal with a variable interest rate. Our total subsequently reflected over {$26000.00} balance owed. 

I have visited the branch 5 times between XXXX XXXX XXXX ; I left messages with the front desk agent ( XXXX XXXX XXXX XXXX to have the branch manager contact me. No one has returned my call. I have contacted the customer service line ( ph XXXX ) many times with little to no response. Meanwhile, since we did not withdraw these funds, we have not been paying towards erroneous loan balance, and we are in turn being assessed late fees and reports to the credit agencies. 

In XXXX, I was able to open a ticket ( # XXXX ). No information was given about how to contact this department correctly. I only repeated calling the main customer service line. While paying the XXXX mortgage, I noticed a credit of {$5400.00} was applied to the original fixed loan but it still leaves the erroneous variable loan open. 

Between Friday, XXXX XXXX- XXXX. XXXX XXXX, I have called Truist 6 times -- and have been disconnected while on hold with their agent. Apparently, no one is able or willing to assist on their end. Hence I am left with no choice but to file this formal complaint.

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 2021-08-13
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 have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-09-19
Company: Experian Information Solutions Inc.
State: CO
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've contacted XXXX, XXXX in reference to acct not updated since XXXX  2022. They said they've reported & it's Experian who hasn't updated my credit report. Trying to speak with anyone at experian takes an act of 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 explanation
Consumer complaint received 2020-04-11
Company: Self Lender Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This company i feel has been nothing but fraud. They gave done nothing to build my credit its actually gone down dramatically since i started with them I got the secured card thinking that that was going to help build my credit even more but the secure card did absolutely nothing the company has refused to respond to several emails even though they say they respond in 24 to 48 hours I've gone days upon days of no response they will not show me what transactions were used on the secure card nor do I have a way of checking with the balance is on the secure card even on the statement it doesn't show me a full history of all my transactions I also tried to schedule a payment but they didn't try to process the payment until three or four days later even though it said it was going to be an immediate payment then had the nerve to send me an email saying that I could get tired to see because the payment got declined if they would have ran the XXXX dollar payment on the day that it was supposed to be ran immediately I wouldn't have this issue so I'm having issues with customer service with billing is in the biggest thing was having a credit card that I have no way of checking with account balances are reaching any customer service and they only have way for me to email them they don't answer the phone and i also need to dispute a transaction

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Frost-Arnett Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collection attempt from a XXXX Hospital. I have never been to a XXXX Hospital. 
Dated XXXX/XXXX/17 Have no idea what they are talking about. 
Submitting this to XXXX also. 
Frost-Arnett is attempting to collect a debt not owed.

Company response to consumer: Closed with explanation