BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Equifax is in the regular business of assuming the role of a credit reporting agency and in the regular business of collecting the personal information of consumers. Equifax is bound by the Fair Credit Reporting Act, the Privacy Act of XXXX and state laws requiring the safekeeping of the personal information of consumers. However, in XX/XX/XXXX, Equifax became aware of a data breach where over XXXX XXXX consumers ' information was stolen by unknown perpetrators, of which I was affected. Equifax did not adequately inform me that my information was stolen. It wasn't until XXXX that I learned of an extended claims period. Between XXXX to present, Equifax has failed to report accurate information on my credit report. I have been denied credit no less than 20 times due to Equifax misreporting my personal credit information. I have had fraudulent accounts reporting on my credit report. I have also suffered the same through Equifax affiliate credit agencies by being denied apartment leases, employment, have a higher mortgage interest rate, higher car loan interest rates, and denied other open ended consumer credit accounts. I still have inaccurate information reporting on my credit report that Equifax refuses to delete despite numerous complaints made by me to the CFPB. Equifax consistently and negligently continues to violate my federally protected rights and state rights as a California resident. Equifax should not be allowed to do business in the US. I have spent and lost hundreds of thousands of dollars trying to repair my credit, protect my personal information and credit, and prevent my information from being stolen in the future. Equifax also admitted their fault in their own statement which reads " We at Equifax CLEARLY understood that the collection of American consumer information and data carries with it enormous responsibility to protect that data. We did not live up to that responsibility. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: NJ
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, Account # XXXX XXXX, Account # XXXX XXXX, XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXl, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 a section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by National Recovery ( NRA Group LLC ) via text and email notifying me of a debt they alleged I owe from XXXX. The address they provided was incorrect and I knew without a doubt the debt was not mine. 
On XX/XX/XXXX I sent National Recovery a letter via USPS demanding substantiation of the debt and an e-mail notifying them of the incoming letter. I also explained in the email that I would file a police report with the information they provided as this debt was the result of an error or identity theft. 
Despite my USPS letter and two emails, I did not receive a response or substantiation of the debt in any form. Meanwhile, National Recovery filed and reported the fraudulent debt the credit bureaus. 
On XX/XX/XXXX I contacted National Recovery again by email and by phone. They said they would investigate the matter.

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 2023-01-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
This collection agency Violated my consumer rights : 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter Account Name : XXXX XXXX XXXX Account Number : XXXX Date open : XXXX XXXX Account Type : Collection Status : Paid, was a collection account, insurance claim or government claim was terminated for default. 

Status Update : XXXX Original Creditor : 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 2023-02-22
Company: Experian Information Solutions 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 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 accounts 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 addresses and accounts : 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 2023-06-06
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that these accounts were 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-22
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent documents and Caine & Weiner Company incXXXX is not responding to me. This is a debt that is alleged and ive been trying to get more information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Hello, I am a cosigner on a loan for a vehicle for my mother. My mother XXXX had missed a bunch of payments and beginning of last year she filed for bankruptcy. She included the vehicle in the bankruptcy. XXXX XXXX XXXX XXXX then removed the vehicle and its balances from our credit. Then a few months later re added the account with a past due balance of {$110000.00}. The vehicle original loan amount was {$20000.00}. It is impossible for the past due to be XXXX dollars. I have filed multiple disputes and they keep coming back stating the information is verified and correct. I have a signed document from Capital Ones lawyer from the bankruptcy hearing stating that the amount owed is {$14000.00}. When i call Capital One and ask where on my account it shows I owe {$110000.00} and I have a recorded phone of the rep stating I do not owe them anything near {$110000.00}. The rep also states that they are not reporting to my credit which is false as it shows on all XXXX credit bureau. They are also reporting different amount on the credit report. XXXX and XXXX show {$110000.00} and XXXX only shows {$60000.00}. I have tried again and again to have them fix this mistake and they will not. This is hurting my life severely as I'm in the process of trying to buy a house which I am being denied for due to have a debt of {$110000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions 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 legally changed my name in court of law in XXXX XXXX Florida on XX/XX/XXXX. That day I changed my name, using the court order, with the Social Security Administration. Later, the next week, I began changing the name on my driver 's license, bank accounts, utility accounts, etc. 

In XXXX, I discovered that none of the credit reporting agencies picked up on my new name, so I contacted each XXXX. XXXX allowed me to change my name on my credit report over the phone by extensively asking me information on my credit history in which only I would have the knowledge. Experian required a copy of the court order, my new driver 's license, XXXX utility bills in my new name and my new Social Security card by mail. I sent them all of that information by mail with a tracking number. 

I then received an email from Experian, after logging into their website and looking at my account. My Experian account said I had NO XXXX XXXX. Since I am XXXX XXXX XXXX and have bought houses, cars and have had investment accounts over the course of my life, I found this absurd. So, I contacted them via a form on their website explaining the problem and asking them to move my information from my old name to my new name, since only my name had changed and not my credit history. 

I received an email reply from " XXXX XXXX '' stating : " Thank you for contacting Experian. I understand the concern with your score. 

Your score XXXX not be available at this time. Upon checking your account, it shows that there are no trade lines that are 6 months or older- XXXX Report. 

You can add self-reported utility payments to your credit report through XXXX XXXX ' which can instantly increase your FICO Score based on your Experian credit report. '' This seems to be a predatory business practice and XXXX discrimination. Are they telling me that every woman who gets married loses their credit history when she takes the name of her husband? And does every husband lose their history when he adds his wife 's maiden name to his last name? 

Telling me that I need to pay them ( Experian ) for " Experian XXXX '' and to personally and manually take the time to provide them with my last XXXX months of utility bills ( which I don't have since I won't have my new name for XXXX months until XXXX, XXXX ) seems like a slimy way to chisel money out of people who have had a XXXX XXXX in the XXXX 's for years. 

This predatory practice and XXXX discrimination needs to stop and my credit history under my old name needs to be restored, since I am the same person I began to be 73 years ago and have had a credit history for over 50 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
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Dispute is with Trans Union XXXX XXXX acct opened on XX/XX/XXXX was closed on XX/XX/XXXX by Trans Union but listed as closed by consumer. Pls list acct as it was before. 

XXXX cc open date and payment status isnt updated or correct. Opened XX/XX/XXXX and paid on time every month as agreed. Never late. 

XXXXXXXX XXXX XXXX  payment status isnt correct and start date isnt updated or correct. Started XX/XX/XXXX and paid on time every month as agreed. Never late

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
They would post my deposits after any checks on the same days and then charge me numerous over draft fees. I finally ended up closing my account and they still charged overdraft fees on that.

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 2023-02-14
Company: EQUIFAX, 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:
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 XX/XX/XXXX, ONLY ADDRESS IS XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TEXAS XXXX, ONLY NAME IS XXXX XXXX XXXX, PLEASE REMOVE ALL OTHER ADDRESS AND NAMES OFF REPORT, Please remove these inquiries from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Transunion has not provided me a copy of my credit report since XXXX. To date, I have made multiple requests via US Postal mail and telephone which are being ignored and denied. Every year I go online for my free annual credit report and every year Transunion is the only agency that will not provide the report. In XXXX I complained to Transunion about having website trouble. I spent hours on the phone and the issued was resolved. I explained to the representative that every time someone helps me log in, the username and password never works for the next log in. From that last phone call in XXXX until today, the agency is refusing to provide me with access to my credit report. In XXXX of XXXX I mailed the agency proof of address and a copy of my Georgia driver 's license. I never received a response. I have had to rely only on my XXXX and XXXX reports. Every time I attempt to login into Transunion website, I get an error message that my information does not match. In XXXX of XXXX, a mortgage lender advised me that all 3 credit bureaus are reporting mismatch information for the same accounts. On XX/XX/XXXX, I reached out to Transunion to make another attempt to gain access to my credit report. I was on hold for 10 minutes, the phone disconnected, and I received a link stating that my call needed to be completed via text message. I have provided a copy of that text with this complaint. On XX/XX/XXXX, I attempted again to gain access to my reports through a third-party company. The company advised me that Transunion is stating my social security number does not match. I reached out to Transunion and expressed my years of frustration. The representative told me that because my account had not been used, the account cancelled. She explained that I would need to recreate an account. I explained to her that I hear this same info every time the account is not working, and it is always inaccurate. I requested that she remain on the phone while I attempted to recreate the account, she refused. After the call disconnected, I tried creating new account and could not due to error message that info does not match. I called Transunion back and rep instructed me to email my driver 's license and a utility bill to the fulfillment department. I followed the instructions and received and email back stating they could not verify me. I have had the same Georgia driver 's license for the past 10 years and suddenly this agency can not verify me. This is a clear FCR violation. They are flat out refusing to provide me with my credit information and 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 2023-12-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been battling XXXX XXXX XXXXXXXX this past year and have had limited access to internet, email, and mail communications. I have notified my bank and requested all communications be sent via text alerts, messages, or calls. I have added every alert I was able to on my accounts. Despite this both my business account ending in XXXX and personal account ending in XXXX ( the latter I have had for over 40 years ) ( And the former for almost 25 years ) were abruptly closed @ 10 days ago without any notification via call text, or message. As soon as I noticed this I called and have been unable to gain access to my transaction history which they have denied me despite the rules state they have to give me access to my closed accounts for 90 days. I have been a customer in good standing all those years, a couple of months ago an older wealthy patient sent me a check for {$10000.00} that he had inadvertently missed some withdrawals such that there were insufficient funds in the account at the time the transfer. But he quickly rectified the situation and Wells Fargo had left a note that they would try to recover the amount again in 3 weeks but apparently tried to recover the funds a week or two early when the patient had just rectified the situation and the monies had not yet posted and the bank claimed to have returned the check to his bank which his bank never received it and it took a few months to sort it all out and get the money rewired to my account. During that period of time all XXXX broke loose with my accounts and despite my attempts at the Bank with my manager who also saw that the bank had said it would retry to cash the check in 3 weeks it then changed its mind and supposedly sent the check back. Bottom line is that when an account is closed I am supposed to have 90 days to access the transactions and transaction history which has been denied to me after these accounts were closed. I am requesting immediate access to my account transactions for the next 90 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