BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. 
XXXXXXXX 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 15 U.S.C 1681 section 602 A states I have to right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an 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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2018-08-14
Company: Experian Information Solutions Inc.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I currently paid XXXX XXXX to help remove negative items off my report I received emails that these items were challenged on these dates XXXX XXXX XXXX XXXX on XX/XX/2018 Experian & XXXX on XX/XX/2018 XXXX XXXX XXXX Experian on XX/XX/2018 XXXX XXXX XXXX XXXX  on XX/XX/2018 I called all three Credit bureaus to make sure these items were being disputed by XXXX Law all three credit bureaus told me that none of these items were being disputed by XXXX Law and that have not received anything from XXXX XXXX. XXXX XXXX has a good relationship with all the credit bureaus to where when they dispute negative items it goes directly electronically to the Credit Bureaus. 
Below I have attached emails from XXXX XXXX that these items were challenged and a screenshot of my account showing negative items that has been intervene ( challenged ) with the credit bureaus by XXXX XXXX. Its underlined in yellow.

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 2022-12-23
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I'm so embarrassed, I was led to believe my whole credit life that inquiries help credit because it gets your name in all their fancy systems. and hard ones were good for your credit report card. I even have my XXXX affected as well, XXXX XXXX. I think I created a horrible situation as my XXXX  is still in the start-up phase and I already quit my job a few months back cause I was ready to start my entrepreneurship in which I learned so much but was like why am I being blocked by loans, credit cards, etc. Never learning about inquiries in credit education as I was not satisfied with my financial education as I wanted the knowledge the leverage and run a successful business, not like most people. hard-headed perfectionist here but I misinterpreted credit inquiries now I'm in financial hardship XXXX  disaster level. please help CFPB I don't know what to do I got credit cards past due and probably identity theft up and down the web. I literally applied everywhere and my email is a spam fest. I'm literally crying

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo fraudulently withdrawn amount from Home equity line of credit. They are able to hide this fraudulent act by not sending monthly statement during transaction period or hide that transaction completely from monthly statement. I believe that they are successfully managed and hide this fraudulent act for the following reasons : Reason 1 : They force home owners to give bank authorization to withdraw payments directly from bank. 
Reason 2 : Being a variable interest loan, consumers do not suspect if there is any increase in withdrawn amount. 
Reason 3 : There are transactions happened in the amount of more than XXXX and I do not remember seeing any transactions in the amount of more than XXXX. 
Reason 4 : Usually consumers do not check their statement regularly if it is an online statements. 
Reason 5 : They never reported to account holder or verified with Account holder if there are unusually high transactional amount. They never reported even though account never had any other transaction other than regular payments. 
Reason 6 : I also suspect that they may not have reported to IRS or federal government about these large transactions ( i.e greater than {$10000.00} as well one in more than {$50000.00} ) Reason 7 : During my conversation with Wells Fargo agents, they said that they have records up to seven years only and they wont be having any transaction details older than seven years. But I got transactions report copy from their Mortgage refinance agent that are more than 12years old transaction history that are available with them. 
Reason 8 : Wells Fargo withdrawn amount exactly to the maximum credit line and there is no overdraft happened at all Reason 9 : I filled a criminal case in my Local Town, Wells Fargo never responded to Citation issued by XXXX Judge Reason 10 : Their conversational tone during Initial contact vs after checking transaction internally changed completely. 
Reason 11 : They increased my home equity line of credit with out my knowledge Important Note : I received a letter stating that there is a settlement between Wells Fargo and Consumer Financial Protection Bureau. I called the number that they provided. I confirmed with the third party agent that issue was not resolved by Wells Fargo. They connected me with Wells Fargo and again they are not resolving the fraudulently withdrawn amount, but they are assigning from department to another. Finally, they said that all their agents are gone for day and will call back next day. It is more than three business days and I am still waiting and more over none of them want to share their ids.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: NC
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 stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: In progress
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: CA
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX CARD XXXX Balance : {$11000.00} XXXX BANK XXXX XXXX XXXX XXXX {$6000.00} XXXX BANK XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$12000.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX CARD XX/XX/2021 XXXX XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Please refer to previous claim # XXXX, Case # XXXX. This case has been closed and it was suggested I contact the Merchant ( XXXX 's XXXX  ) which I did and I spoke to XXXX. We were charged {$290.00} for a take out order purchased on a square. XXXX gave me the following info 1. They don't use a square 2. They didn't generate the receipt or the invoice that BofA said was proof of the purchase 3. The time of the purchase was XXXX am. and they don't even open until XXXX am 4. This is the 3rd time a similar situation occurred with their establishment with nearly the identical receipt information ( menu items ) 5. She has no record of a charge in the amount of {$290.00} on XX/XX/2021 6 Now after completing further research I discovered the website they were using for evidence is fraudulent. 
Obviously, BofA is getting scammed and didn't really even investigate the claim thoroughly. I wonder who they contacted to get these falsified documents?

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 2023-11-27
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-23
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 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 2022-02-11
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Ally discussed my account and debt with someone who called ally about their own account. 
This person found me and shared this call with me.

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 2022-12-23
Company: EQUIFAX, INC.
State: ID
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:
For several months, I have been attempting to have a collection item removed from XXXX XXXX that has been reporting on my credit report. 

I have never had an account with XXXX and I do not know why it continues to show up on my credit report. 

I have tried disputing this information with XXXX XXXX themselves and they first provided me with an unknown name and address on the account. They admitted that the only thing that matched on the account was the last four of my social. 

XXXX refused to stop reporting this information to the bureaus, so I then reached out to XXXX ( Account # XXXX ) and Equifax ( Account # XXXX ) to dispute it with them. I explained to them that I have never had an account with XXXX and I asked them to provide proof that this debt was mine. 

Neither XXXX or Equifax ever provided me with proof, but they both came back and stated that it was verified. 

Because of this deliquent account on my credit reports, I have been denied for a home mortgage, and I also have incurred higher interest rates for other credit cards I have since applied for. 

When I called and tried one last time to have this item removed from my credit report on XX/XX/2022, XXXX XXXX made me pay them {$210.00} and after I made the payment during the phone call, they blatantly told me that they refused to stop reporting the item to XXXX and Equifax - even though they had just forced me to pay {$210.00} for a debt that was never even mine. I have this phone call recorded and I am happy to provide a copy of the call and blatant violation upon request. 

Having this fraudelent item on my report has cost me thousands of dollars and so much heartache, and I demand that it be removed from XXXX and Equifax and I also demand {$1000.00} compensation for the FCRA violation that all three of these consumer reporting agencies made against me when they KNOWINGLY continued to report false and fraudulent information on my credit report ( and not providing a single piece of proof that this debt ever belonged to me ). 

According to 15 USC 1681, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: OR
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:
Equifax has caused me severe problems. XXXX years ago I was denied credit from an error on their end. Now once again I have been denied credit. This time however is a severe breach of my privacy. I must find out how to press legal charges against this company. They continue to make errors on my credit report, and have caused me severe consequences. I must know how to force them to finally fix my credit report after over XXXX years of trying on my own. This agency has some of those complaints, yet this agency does nothing to help. Who can help me fight this company that seems to enjoy destroying my life?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 I mailed a dispute to Experian and to the collection agency XXXX XXXX XXXX XXXX XXXX XXXX Notifying each party that this debt is not my debt, and I informed XXXX to produce a wet ink document to prove that I signed any agreement with them and they have yet to do so. I called experian to see if they had received my dispute letter they informed me that they received my dispute letter and they was investigating and the collection should be removed by the XXXX of XX/XX/2022. Well I noticed that XXXX is still on my credit report after a proper dispute was filed. 
XXXX seeking help to remove XXXX from my credit report this collection agency is having a negative affect on my financial life. 
I do not owe XXXX XXXX XXXX any money, nor have I entered into a binding contract with this Third Party 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 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit report shows {$600.00} collections thats been on my report for XXXX years I just noticed I called the original creditor and ask them to produce a bill for said perform services they said they couldnt find it because its in collections I disputed it with collections but they left no information to contact them I dispute it through Trans Union and I didnt go anywhere I believe it is fraudulent they cant produce a bill with services on it with my signature How do they expect to prove that it is How do them for original creditor cant produce the information that has a collection agency supposed to produce the information especially when theyre not leaving any contact information for me to get a hold of them

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 2020-09-15
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
disputed these inaccurate incomplete & inconsistent items on my credit report payment history, Uploading XXXX  & XXXX  credit report that shows the errors & the inconsistency and incomplete is a violation, why is it so different if you get your information from the same creditor. 

To Whom It May Concern : I pulled a copy of my credit report and found the XXXX XXXX payment history is inaccurate, inconsistent and incomplete.l request that you deleted this item of my credit file and send me an update copy of my credit report. 

From, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Earlier today, I filed a complaint about Portfolio Recovery Associates. The same day they received my complaint, they retaliated by putting XXXX more collections on my XXXX credit report. The accounts in question had already long since aged off all my credit reports ; Portfolio is fabricating dates of delinquency to put these accounts back on my credit report. They have listed the accounts as " closed '' but claim recent payment activity to fraudulently list the accounts. They are selecting XXXX specifically due to XXXX 's long lead time for disputes. Their actions have resulted in an almost XXXX point drop in my credit score on XXXX ( which gets data from XXXX ) and more than XXXX points on XXXX itself. Portfolio 's actions are a clear violation of my rights under the FCRA. They once again fabricated dates and will use stall tactics to harass and inconvenience me.

Company response to consumer: Closed with explanation