BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After reviewing my credit report i noticed that there is a U.S. Bankruptcy Court items listed on my credit reports.Per the FCRA 623 ( a ) ( 5 ) : if the credit bureau can not VALIDATE the information from the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy courts mailed me a letter stating that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information.It is the credit reporting agencies, and / or other third party providers who collect information regarding public cases from public records.Public records information is NEVER validated by the recorder of deeds nor the U.S Court system due to the FAIR CREDIT REPORTING AGENCY PRIVACY LAW. 
Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information to be PERMANENTLY DELETED from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX and XXXX and XXXX XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA XXXX XXXX XXXX XXXX XXXX  has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX Account Name # 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 record of conviction 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX contacted XXXX XXXX XXXX multiple times over the course of the last two years for incorrect credit reporting. As of late, weve been continuously going back & forth since XXXX due to the fact that XXXX has reported delinquent payments dating back to XX/XX/2022. This has been fixed not once, but twice, and then days later, the report is updated to reflect delinquency dating back to XX/XX/2022. There have been multiple phone conversations, multiple written correspondence & each time we see assured its been fixed. We shouldnt have to do that in the first place, but we have no choice. As the way it stands today, my report & my husbands are inconsistent, which is impossible considering its a joint loan. We had put our faith in them this last time around, as the head of the department has been working with me personally, and learned about the delinquent reporting after applying for a mortgage! You can imagine the issues this has caused. We cant continue to deal with this, as each time our livelihood is greatly impacted. XXXX is abusing their reporting power.

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 2023-06-12
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The account is at a {$0.00} balance and show that on the AES website, but all 3 credit bureaus are showing a balance, this was resolved in XX/XX/2020, thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Texas XXXX XXXX XXXX U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/21, I reached out to XXXX by mail to inquire the method of verification for a chapter XXXX that was listed on my credit file with them according to XXXX XXXX and myfico, I received a response by mail a little over 30 days later, informing me that no bankruptcy was listed in my credit file and that they would send me a copy of my credit report to show this. Once I received my report, a month later, I found that they were correct and due to seeing the given item was still reporting, I reached out to myfico and was informed they can only report what XXXX gives them. At this point, I don't know what how to resolve this situation.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have asked to remove the XXXX XXXX XXXX XXXX account from my credit report and I have sent the evidence to TransUnion where the creditor reports a balance of {$0.00}, but they have not investigated and continue to report the information on my credit report that is not verified and it can even be considered false ( I attach the letter from the creditor ). But TransUnion continues to say that there is an outstanding balance.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ive filed a dispute with Experian, but the company XXXX XXXX mailed me that I owed {$9100.00} which on the phone I was told by a sales representative that I owed {$8400.00}. Im contacting the Consumer Finance being that its incorrect information on my credit report. Along, with me never even having knowledge that there was a car under my name until it was completely totaled being that someone used my information to obtain this car. Id hopefully like to get this issue resolved without having to seek out an attorney, but Im filing a complaint for this reason.

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 2023-06-12
Company: EQUIFAX, INC.
State: AZ
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 third 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 XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$6000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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: Account information incorrect

Complaint:
A XXXX XXXX XXXX loan popped up on my account a few days ago that is not my account, i have never had loan like 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 non-monetary relief
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 explanation
Consumer complaint received 2022-11-19
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: Account information incorrect

Complaint:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ACCOUNT # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

You aren't licensed in Georgia Delete this account. 
You didn't apply the notice of dispute to the credit report in the appropriate time frame, which is a violation of the FCRA. 
DELETE THIS ACCOUNT PLEASE! 

Please send a check for {$100000.00} paid to me, to my address listed above.

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 2020-08-10
Company: WELLS FARGO & COMPANY
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 is missing that should be on the report

Complaint:
This is my second complaint about Wells Fargo removing my credit card account from my credit report / failing to report it.

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 monetary relief
Consumer complaint received 2023-02-02
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i had a mortgage with XXXX XXXX and was in the process of finishing up paperwork on a loan modification. All was set then i get a letter saying my mortgage was sold to a new company Shellpoint. This is where the issues started. I was accused of not completing the loan modification payments to XXXX XXXX when i did the whole process and was just waiting on the new payments to start. Now shellpoint is next to impossible to get a hold of so i was assigned a point person who i was never able to speak with. I left at least four to five voicemails for my point person but never received a call back. I finally spoke with my point person after i had to track her down because they sent a new mortgage for me to sign with no call or email of any kind it just showed up at my house and was way more than i had agreed to with XXXX XXXX. My point person said they would look into and confirmed my phone and email saying she would email me and reach out the next day. That was XX/XX/23, as of XX/XX/23 i still had not received a call or email. I called my point person again and by miracle she answered. asked why i never got a single return call and she said she did call and i asked what number and she gave a number i never heard of. I told her look at her notes we confirmed the right phone number and email on XX/XX/23 conversation. She had no explanation and i asked for a supervisor who was little help and said someone would call me back today XX/XX/23. I have been dealing with this for almost 4 and half months now. So now i have to sign the loan modification that I can't afford or pay {$22000.00} to bring my loan current as it was on deferment during the pandemic for 12 months. so, I am a single father of two teen daughters. The communication and explanations have been absolutely horrible. Almost 21 years in the house and only two prior mortgage companies and this is the first issues i have ever had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: FL
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, the natural person, consumer who is protected under the federal law is demanding, that fostered removed/deleted from any and all systems used by the following business : XXXX XXXX XXXX XXXX.I am demanding no further communication, return of property, in regard to the COLLECTION this alleged debt. Lastly, as a consumer of heaven, protected under the federal law, Title 15 Chapter 41 subchapter 5 1692 ( k ). I am demanding compensation for damages, willful injury, unlawful accusation, I am demanding compensation and damages under a commercial security agreement including a fee schedule ; for the false claims of an alleged, and unverified without certified mailings, validity of debt, etc. Nothing, for months now this company has " been in review '' of some thing they are willingly doing in unlawfully throughout identity theft and fraud. Equifax, XXXX, And XXXX are still currently reporting information that has not been proven and verified correctly and in violation of FCRA LAWS pursuant to 15 U.S.C. 1681-1681. MY rights to privacy, listing me as the ( DEBTOR ) when I am in fact the authorized user, creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was always charged a fee and also my account was fraudulent used as well had never gotten a loan do to credit, had several problems with account and had to switch banks, because someone was fraudulent taking money in and out of my account with out my concent, I had to pay all money out of my pocket

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX Currently have Fruad accounts and inquiries on all three 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
Consumer complaint received 2023-02-02
Company: EQUIFAX, 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 status incorrect

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation