BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/XXXX, I Called Wells Fargo bank to check if I can get my credit Card limit to be increase, and I asked them if is going to be a hard inquiry or soft pull on my credit report, I was told is going to be a soft inquiry only and will not be a hard inquiry without my consent, then I told him in that case I want to go ahead to see if I can get my credit card limit increase, Also I made it very clear if is going to be a hard inquiry on my credit report I will not be interested to apply, the person on the phone told me no worry will not be any hard inquiry without my consent. anyway I apply and I was approved for credit line increase but next day I received a notification from the XXXX Credit Bureau that was a hard inquiry by Wells Fargo Bank, I contact Wells Fargo about this issue and I filed a case with them and I was told is going to take up to 10 days for investigation. Few days later I received a letter from wells Fargo to confirm that was an error from Wells Fargo and they will contact XXXX credit bureau to request the hard inquiry to be remove from my credit, until today nothing is been remove, I contact XXXX myself and they inform me they have not received anything letter or fax from Wells Fargo regarding my issue, I contact Wells Fargo several times for help but every time I contact them they said we have requested the hard inquiry to be remove and they open new case for me, again until now the hard inquiry still on my credit file. 
Here all the case number I have filed with Wells Fargo regarding this issue the first case was Filed On XX/XX/XXXX, Case # XXXX, the second Case was filed on XX/XX/XXXX, Case # XXXX, the third case was filed today XX/XX/XXXX, Case # XXXX, The phone number for Wells Fargo XXXX, as you can see every time I call wells Fargo they keep opening new case for me but without any solution to resolve this issue.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The Experian and XXXX Credit Bureau have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$410.00}

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 2022-05-19
Company: American Credit Acceptance, LLC
State: AZ
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 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 and purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This company says that I owe them {$81.00}. I have never owed a company such amount ar have I had any contract with such company. In fact I do not know what this is and I request some detailed explaniation. 
Thanks in advance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XX/XX/2022 XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX : {$660.00} XXXX XXXX XX/XX/2022

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 2023-01-24
Company: Freedom Mortgage Company
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 status incorrect

Complaint:
They stole money when I was in XXXX XXXX drawing interest and then when I tried to call them they had no explanation as to where my money was or went. Then as soon as my XXXX XXXX  was over they reported me delinquent to all the credit bureaus which I always paid monthly sometime twice a month- they still cant tell me where all of my payment went. My mortgage was {$2000.00} since XXXX and I paid {$2100.00} per month every month since XXXX. I called them and asked 5 different times to apply the overages. They refused and when I finally was out of XXXX XXXX  they reported I was delinquent and ruined my credit. This company should not be allowed to hold mortgages. Especially for borrowers who are trying to do the right thing. Someone or some entity needs to investigate them- they are practicing mortgage fraud.

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 2022-05-20
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:
I requested on 4 occasions via mail for dispute on inaccurate reporting of a collection account. 

This information was return verified each time. The bureau did not provide written correspondence on how this information was verified and whom they spoke with at company to confirm the information is true and correct in accordance with the FCRA, Public Law 91-506 Title VI, Section 611, subsection A-D. 

This information report on my Experian report is inaccurate and reports a false representation and injurious to my credit rating.

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to remove immediately : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$160.00} XXXX  XXXX Balance : {$32.00}

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 2015-10-14
Company: Financial Credit Service, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I received a message on my voice mail from Asset Recovery Associates, stating that I needed to call them right away about a " bad check and breach of contract filing '' against XXXX XXXX. XXXX XXXX is my ex-husband whom I have n't seen since 1997 ( except in Family Court ). I was given the case # XXXX, and the phone number of the " Plaintiff '' is XXXX. When I called the number, I was told that I was a " co-defendant '' with XXXX XXXX in this case which has already been filed in XXXX, IN and I should be served with a summons soon. I informed " XXXX '' that I have never set foot in XXXX, and that XXXX XXXX and I have been divorced for quite some time. She kept refusing to give me any further information and said I would just have to wait until I 'm served, and then she hung up on me. My husband also called, and he was hung up on as well. After calling the XXXX County, XXXX County Clerk 's office, I was told to do a search at mycase.in.gov and that if there was anything filed against me it would show up. I did that with both my name and my XXXX XXXX 's name, and nothing came up. In addition, one of my daughters told me that she received a phone call asking about contact information for me, but she did n't give them any. It 's possible that my other daughter did, but she and I have no contact. I 've only been married for a little over 2 years, and have only had my cell phone number for maybe a year. The company would not tell me how they received my name and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-20
Company: Advance America, Cash Advance Centers, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a installment loan of {$1000.00} with AdvancedAmerica online XX/XX/2022 and was denied. They called me on XX/XX/XXXX at XXXX and left a voicemail, they called again on XX/XX/XXXX at XXXX and left another voicemail. I called them back XX/XX/XXXX at XXXX to find out why they were calling me because I was denied. I talked to XXXX XXXX and she said that I was approved for the loan that I just had to take her a photo ID, social security number and proof of income. I got to the office about XXXX and gave her all the information. She left in the process of my paperwork and let her co-worker finish. The co-worker said that I had been approved for a payday loan but I did not apply for a payday loan. I refused the payday and went home. I got an email stating my XXXX score went down by XXXX points and I never received a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Torriere Holdings INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeatedly calling friends and extended family trying to reach my mother ( elderly XXXX patient ) even after being told by multiple sources to contact me ( durable power of attorney ), and me alone. I have been told that they have also tried to represent themselves as a medical company. Furthermore, upon establishing contact with me, we established a day and time for them to call me back and discuss the matter they are calling for. They did not call, and have only attempted to call during hours I told them I am unavailable to take calls due to work.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 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 non-monetary relief
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I sent a letter asking to fully validate the reported information and remove anything form my credit report that they couldn't provide a signed, original contract for that correlates each account in question. My credit report was updated, and it stated that the account was correct, and it met FCRA requirements. No original contract was provided to me, and I believed there were illegal collection fees not agreed to with the original merchant of the account reported. 

On XX/XX/2023, a second letter was sent requesting again to provide an original contract for the items that I previously disputed that were listed in the letter. I had reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 
Again, they have reported that accounts met the FCRA 609 and 611 provisions with no proof or original contracts. 

Upon this request for removal, the credit bureau failed to fully verify/validate the items listed in the mailed dispute letter by locating the original contract and/or other documents that validate the given items, within 30 days.

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 2023-08-31
Company: EQUIFAX, INC.
State: FL
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 requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: GOLDMAN SACHS BANK USA
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Failed several attempts to rectify this issue, finally last week I got statements of Apple. 

Was able to dispute some charges, unable to make a payment a mail in payment was made to Apple. Two times and as of today they have not, yet credit me and they keep on reporting me. 

Their promises to fix this issue are null.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-30
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: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: NY
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 disputed XXXX automotive with XXXX, TransUnion, and XXXX. They have charged off my account in XXXX and again in XXXX causing my score to drop and keeping the account on my profile for an additional 7 years

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