BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed XXXX XXXX XXXX XXXX fraud account on my credit file due to fraud. This account is connected to fraud account XXXX XXXX account that has been deleted and is/was fraud as well from my credit file. I have explained and disputed this to XXXX on several occasions to no prevail. XXXX says that it is accurate and it is not! Its a fraud account associated to the fraud account XXXX XXXX account. Please have them to correct/delete this account from my credit file permanently! The most recent dispute was completed on XX/XX/2022. XXXX keeps allowing this same fraud account to continually reappear on my credit file under different names. Please help me stop this vicious cycle.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: TX
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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: VA
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 ignored my letter and did not perform a proper investigation like I asked on account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX before sending the account back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: WELLS FARGO & COMPANY
State: NV
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:
Wells Fargo Card Services response to CFPB complaint number XXXX did not address all of my issues. 

The account was charged-off in XX/XX/2019. The account is reporting the charge-off in XX/XX/2019 but also for twenty-one ( 21 ) consecutive months thereafter. An account is charged-off ONCE. It may not be charged-off monthly. Once charged-off, it should not show an active payment history. 

Wells Fargo Card Services is manipulating the payment history to intentionally damage 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 2018-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
HARD INQUIRY __________________________________________________________________ XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXX CONTACTED COMPANY, THEY SEE THE INQUIRY AND IT SHOWS AS STAND BY ( NO ACTION MADE AFTER THE ATTEMPT OF OPENING AN ACCOUNT ) ACCOUNT WAS NEVER OPENED. BUT IT IS STILL ON MY CREDIT REPORT FROM XXXX   AND TRANSUNION _________________________________________________________________ XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX CONTACTED COMPANY, THEY SAID THAT IT SYSTEM CAUGHT IT AS POTENTIAL FRAUD AND CANCELLED IT BUT IT IS STILL ON MY CREDIT REPORT FROM 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 2023-10-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
Wells Fargo disputed some charges that I asked them not so I had to pay again. These charges were from XXXX ( {$1100.00} ) and XXXX XXXX XXXX ( {$100.00} & {$330.00} ). My concert tickets were canceled from XXXX because they disputed the charges so I had to look for tickets last minute and I almost got in trouble from XXXX XXXX XXXX because the payments were disputed. They also did not provide me monetary relief from my previous claim 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 2023-01-24
Company: Capital Management Services, LP
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the Fair Credit Reporting act 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 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 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-07-09
Company: TRUIST FINANCIAL CORPORATION
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Lightstream offers a .05 % interest reduction if you sign up for auto payments, which is fine in itself. However, I attempted to make my auto payment early and was informed by the Lightstream representative that it is not an option to pay the regular payment early. I was informed that my two choices are to either allow the auto payment to process on the regular date, or cancel auto pay all together and lose the .05 % interest rate reduction. I view this as an unfair and deceptive practice because I am being forced to pay the full interest on each payment because it is not allowed to process earlier than the scheduled date each month without losing the .05 % interest rate reduction. For example, if I were allowed to pay my auto payment that is due to run on XX/XX/XXXX today, XX/XX/XXXX, I would avoid paying 18 days of additional interest on my {$820.00} monthly payment amount. It was not in my contract that I would be 'penalized for making payments early ', however that is the case due to the penalty on both options given.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Vystar had a scheduled 2 day outage now going on 8th day no way to check account XXXX XXXX deposits not going through and they have no answer

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 2023-01-24
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
The terms for opening a new savings account via referral is an extra 1 % APY for both parties across 3 months ( each additional referral, up to 5 per year, provides the same benefit ). I was referred to open an account by a friend, so we both have 4.3 % APY for 3 months. I then referred my other friend and she then referred her mother and brother. However, we were not credited for me referring her. We have plenty of evidence supporting this happening and have spoke to the bank multiple times via phone and chat, accumulating many hours of our time. We continue to be given the run around and denied the timely adherence to the terms we agreed to when creating our accounts and giving/receiving a referral. This is unacceptable and breaks people 's trust in banks who hold our hard-earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: GOLDMAN SACHS BANK USA
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted Goldman Sachs this date to have them update my balance to XXXX dollars owed and they said they are unable to. I am asking they just report my balance to XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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:
I sent a letter on XX/XX/XXXX to remove some items that are unknown to me. I require you all to remove/block any items or information not later than 4 business days after my complaint. Ive already included this in my previous Complaint & I am including it again., Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX TX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Owed XXXX {$150.00} XXXX XXXX Balance Owed : {$380.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-01-24
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:
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.

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 2022-07-10
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: Account information incorrect

Complaint:
There recently appeared a collection account from XXXX XXXX XXXX on my credit reports that has the wrong name, dates, address, city, and the three credit bureaus put it on my report anyway! I want this removed immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This is about Wells Fargo, and investment accounts being emptied on bad transactions that were paid at the transaction level to the investment people at the XXXX branch at the corner XXXX and XXXX in XXXX california. These transactions had a fee attached to them whether or not it was a sound transaction or not. My wife and I lost our life savings due to this blatant, and premeditated unscrupulous action by this bank. We lost approximately {$280000.00} in 16 months of Wells Fargo 's blatant " Theft in the daylight ''. 
This all took place around XX/XX/XXXX-XX/XX/XXXX. A the time, the XXXX. of that branch was XXXX, and he was in control of our money. I am submitting this complaint because I have evolved in my knowledge base, and Wells Fargo is currently under investigation on California for numerous counts of unscrupulous banking methods. The bottom line is, they stole my money in what was at the time, their mode of operation, and policy to disenfranchise their customers of their funds. I know you will keep my personal information from the public, but I am entering my contact information. 

Regards XXXX and XXXX XXXX, # XXXX XXXX, Ca. XXXX. 
( XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've contacted XXXX XXXX XXXX / XXXX  & they told me I've never missed a payment, yet XXXX and Transunion refuses to update me from being listed as XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on the accounts. They told me they are not required to allow me to dispute this inaccurate information any longer.as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor I constantly have to do XXXX and Transunion job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXXXXXX XXXX XXXX Michigan # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There recently appeared a collection account from XXXX XXXX XXXX on my credit reports that has the wrong name, dates, address, city, and the three credit bureaus put it on my report anyway! I want this removed immediately!!!

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 2023-10-30
Company: EQUIFAX, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: TX
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: NY
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 unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXXXXXX

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