BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: NC
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:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 



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 2021-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Fradulent activity occured on my credit report that should not be there. These accounts need to be deleted and taken off my report. I have contacted the creditors and the credit bureas and both are giving me no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: NE
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:
Equifax is using stall tactics in order to not investigate my dispute. I sent them my ID and a copy of my social and they sent a letter asking for that information when I sent and had the information notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
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 2023-07-12
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hi my name is XXXX XXXX i'm writing to see if i can get help with getting a late payment off my credit report. On XX/XX/2021 this mortgage was paid off in full. Im writing to see if this account can be deleted from my credit permanently. On XX/XX/2021 I had a late payment, but being that this account is payed off i feel that this late payment should be deleted off my credit. I reached out to XXXX XXXX  but they were no help Thank you. 


XXXXXXXX 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 2019-10-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello. I was the counter at XXXX 's applying for an ln-store line of credit and was denied because of things being reported on my credit report I signed up for an online credit service and discovered Items on my credit that I have no Idea what they are. I'm not sure how my information got Into the hands of someone else, this fraud and I calle the police. Also now had contact with FTC. I'm now contacting you all. Please help me. These are the items that are not mine and I'd like them removed please. 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The bank denied my modification due to one missing paper had all documents summit to wellfargo for modification then they started process on foreclosure try at court could win a modification they sold my home at 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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion made a mistake on my credit report. They added a loan account from a company called XXXX XXXX XXXX XXXX. I have never opened a loan account with such a company. I disputed this account with Transunion multiple times. However, the result of their investigation was the following : TransUnion investigated your dispute, but the information was verified as accurate. Other information was also updated. 


There is 0 % chance that I had such a loan account because the account was opened on XX/XX/XXXX, and I had No SSN or any ability to have a loan or credit under my name then. This all started when I called Transunion trying to lift off the fraud alert I had put on my account in mid-XXXX XXXX. Transunion took all my information over the phone : name, date of birth, address, and XXXX. And they couldn't help me remove my fraud alert, so I kept it as it was. Two days later, I received a notification that there had been a change to your credit report. Once I opened my credit karma account to check, I noticed that my Transunion credit score dropped from XXXX to XXXX, an XXXX decrease. Moreover, I called them and explained that they made a mistake since it happened only when I contacted them. I then disputed the loan account put on my credit report. Now, I don't know how such a mistake could happen from a credit bureau. 

Additionally, I have been trying to contact XXXX XXXX XXXX XXXX, " the alleged lender, '' through mail, phone, and e-mail, but no one answered or got back to me. I believe that XXXX XXXX XXXX XXXX is a scam and should be investigated.

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 2023-04-15
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX, I had noticed I wasnt able to log into my cashapp account, it couldnt verify my info which was not normal. ( This is 2 days before my scheduled, expected tax return of {$6900.00} was getting deposited ) So I called cashapp and told them my cash tag had been changed, my picture was removed, email removed, and Last name taken off. I was not able to log in at all, but while on the phone with cashapp, they asked me if I was familiar with the most recent transactions, which were from someone I didnt know, they had sent me {$2.00} and then sent it back to themselves.They also asked me if I knew about the new device login from an android phone. I clarified that all of that wasnt from me, and they informed me that it seemed as if someone was attempting to do something sketchy. They put my account on a 48-72 hour security hold, still not allowing me to log in until the hold was clear. I told them my concerns about a very large amount of money coming in, in less than 2 days. They assured me that nothing or no one would have any type of access to my account until the hood is clear and we update all my information. Again, they reassured me not to worry, my money was safe and to wait for an email from them. 2 days go by and I have no email, so I called to see if I could log in and see if my return has been deposited. They told me the account was all hood and to log in with new and updated info. I logged in, had {$0.00} balance and checked my activity, and the most terrible feeling I had when I saw dozens and dozens around 50 transactions, back to back, each in the amounts of $ XXXX {$200.00}. They had all cleared, nothing was pending, no accounts were flagged, and all my money was drained. We then also saw that the unknown device was STILL logged in, which is how the scammers got access. Cashapp failed to take the correct security measures to prevent that from happening. I am just dumbfounded at how any financial institution could allow a number of transactions like that to go through without suspecting fraud. I opened a case with them, and in less than 24 hours they told me they denied my claim. I find cashapp completely negligible in doing their part in protecting our security. In my situation, its baffling knowing they were aware of suspicious activity, and somehow, {$6900.00} got fraudulently transferred in small increments within a couple hours. No security measures were taken, no protection, or verification methods. I need help in what to do next. I have reason to believe my situation was neglected and the outcome was highly unfair and disappointing. Please help me on what to do next.. thank you for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, 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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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 604 A section 2 : it also states a consumer reporting agency can not furnish a account without 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 2023-02-03
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/23 I received a call from Chase credit card that a business card was placed in my name and cancelled the account. 
XX/XX/23 I received the business credit card in the mail to my home address. Contacted Chase about my personal credit card to confirm no activity and cancelled to get a new card. 
XX/XX/23 will be placing a fraud alert with reporting agencies, file police report and completing information through Chase to obtain information on how this application was submitted. 
I have a personal credit card with Chase bank that contains my email yet they allowed this person to apply and use another email and never notified me of the change of email or addition to my account and used the new email address given. They could have caught the fraud at application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As reported on Transunion as of XX/XX/XXXX  : Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Amount : {$2800.00} XX/XX/2021 I mailed Transunion a written notice of the incorrect information on my consumer report, after they previously refused to remove the incorrect information over the phone, despite confirming that the incident was a result of identity theft/fraud, there had been a police report and FTC report submitted XXXX and that this information should be removed immediately as I as the consumer never gave written consent to Transunion to report this unverified debt, pursuant to 15 USC Chapter 41 and 12 CFR 1022. 

XX/XX/XXXX  I called Transunion to inform them of the incorrect information being reported on my consumer report and the fact that it was a violation of my rights under the FCRA and as well as a act of identity theft and fraud, with a valid police report. 

*I as the natural person and consumer submitting this complaint for myself, give full consent to Transunion and the CFPB to communicate and share my information between each other in order to bring my remedy and solution to this complaint. *

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Checked my credit report and saw inquiries that I don't recognize and want them removed.

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 2020-06-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wakefield and Associates began reporting as a collection account on all three of my credit reports in XX/XX/XXXX. This collection account was for a medical claim with a date of service of XX/XX/XXXX with XXXX XXXX XXXX of XXXX. 

I never received any written correspondence Wakefield and Associates. I found out about the account because of an alert from a credit monitoring app. I called Wakefield and Associates to ask what this account was and immediately when I found out it was a medical account I asked was my health insurance billed. I was told it was but when I called my health insurance company there was no claim on file for the date of service XX/XX/XXXX. Wakefield and Associates said I was " wrong and I could either pay or dispute it ''. 

I called XXXX XXXX XXXX of XXXX numerous times both in XXXX and XXXX. I was always told my account " was under review '' and unfortunately did not write down dates or who I spoke to. 

On XX/XX/XXXX I called the XXXX department of XXXX XXXX XXXX of XXXX and spoke with XXXX who I was told was the customer service representative assigned to my account. XXXX claimed this was the first time she was hearing about the claim not being filed with XXXX NJ health. So I immediately called XXXX NJ XXXX and again inquired if there was a claim and again there was not. I asked for that in writing and was mailed the attached letter. 

I called XXXX back & gave her the case number I was assigned by XXXX NJ XXXX as well as the claims address and phone number. 

I called again several times speaking with both XXXX and a supervisor XXXX and was told that the information I provided on XX/XX/XXXX was emailed to an internal claims department but because of the nationwide Covid-19 shutdown- there was no time frame on a response. 

On XX/XX/XXXX I spoke with XXXX again and was told that I was correct. XXXX who is the account manager replied to XXXX saying my insurance company was never billed and they submitted the claim to my insurance company to be processed. XXXX XXXX XXXX of XXXX said they contacted Wakefield and Associates the last time being XX/XX/XXXX to withdraw the collection account. 

I called Wakefield and Associates on XX/XX/XXXX and was told that they had no notes in my file to stop collection activity. 

I called XXXX XXXX XXXX of XXXX again asking for something in writing so that I could submit it to Wakefield and Associates and was told there was not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Valor Intelligent Processing, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been calling my phone repeatedly. They refuse to tell me what debt this is for what company they are collecting for what the amount is or any other information they just keep calling my phone thinking that its a XXXX game and then XXXX a toy to be played with so XXXX a keep calling their XXXX phones on auto dial doing the same XXXX cause I dont know who the XXXX these people are what the XXXX they want

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions 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:
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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: Information belongs to someone else

Complaint:
There is false and inaccurate information being reported on my consumer report including inquiries that I did not authorize, which means that my report was obtained without permissible purpose. The Credit Reporting Agency has violated multiple consumer rights and has not verified that the information they are reporting is in fact true and correct. I feel as though they are being paid to report false accounts that is hurting me only for their financial gain.

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 2023-07-12
Company: Self Financial 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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation