BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
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:
The Credit Bureaus never fail to disappoint me when it come to doing their best at nothing. I have been sending numerous letters and complaints to the Credit Bureaus urging them to properly investigate the accounts in which I belived reporting erroneous information and doing harm on my Credit File. Despite all my efforts, the Credit Bureaus grew negligent and never even bothered to do an investgation on my Credit File. The FCRA gave the Credit Bureaus ample amount of time to do a proper verification and correct the accounts and yet they have failed to respond to my letters. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I need the Following acounts verified and corrected immediately : XXXX. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$180.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX Balance - Date opened XX/XX/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 2023-10-29
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX, I filed a dispute with Equifax concerning my credit report. My Equifax confirmation number is XXXX. My Equifax credit report erroneously stated that I was born on XX/XX/XXXX. However, my actual date of birth is XX/XX/XXXX. I supplied a copy of my attached drivers license when disputing the incorrect date of birth. I received the attached Equifax credit report today, XX/XX/XXXX. Although page three of the report does state that my date of birth was correctly updated, page eight of the report states that I was born on XX/XX/XXXX. That would make me XXXX XXXX XXXX. There is no factual basis for this baffling assertion. Moreover, I noticed that my old landline phone number of XXXX was added to my credit report. I disconnected my landline in approximately XXXX. My correct cell phone number is XXXX. Furthermore, when I logged into my Equifax user portal, I received an error message stating your Equifax credit report and score are not available at this time due to a technical error. The error message code was XXXX. These errors need to be rectified forthwith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to correct my credit report. I have already contacted the companies directly and still no change. I have submitted multiple police reports and I did a Affidavit with the Federal fair Trade Commission. As I was checking my report i realized that the collection which cam from XXXX XXXX should have been removed from my account who ever opened the account did not have my correct birthday. That account was made and used before my XXXX birthday so its no way it could belong to me I am submitting a copy of my birth certificate as proof that I am only XXXX years old and not XXXX my credit file incorrectly shows. I ask that you update my date of birth correctly and immediately DELETE all account created with inaccurate information as they are not mine and I did not make the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: SYNCHRONY FINANCIAL
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 received an alert that I had a hard inquiry on my credit report on XX/XX/XXXX by a company called XXXX XXXX XXXX/PayPal. They even used an old address on the inquiry. I contacted XXXX  and they told me Id have to contact the company and they gave me the number of the company from report. Called the number and it was to PayPal Synconcy. They transferred me to fraud dept supposedly and I spoke to a XXXX that said account would be closed and a fax sent to all 3 credit agencies to remove the hard inquiry. He gave a report number of XXXX. The next day I got another alert that the credit card was opened. XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX I keep getting alerts even as of today XX/XX/XXXX that the PayPal CC was opened in my name. Called XX/XX/XXXX PayPal Fraud at XXXX and spoke to a XXXX  that was very rude and told me that the CC was closed 6 days ago and said that nothing would be sent to the credit agencies until they did their investigation which could take up to 90 days to decide basically if Im lying or not!! I am so upset as I have an 800+ credit score which keeps going down due to this company! I did a search regarding this company on your site and they have done this before and there was even a judgment in XXXX!!!! Evidently they are doing this again!! PLEASE HELP ****** ******Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Upon review, we have determined your complaint is not against PayPal . Your issue is with Synchrony Bank, and therefore, we are unable to provide an adequate response to your complaint. Please be advised that PayPal Credit is a product offered by Synchrony Bank. As such, PayPal is unable to provide any further information on the PayPal Credit application. If you have any further questions regarding PayPal Credit, we suggest contacting PayPal Credit directly at XXXX or by mail at : Synchrony Bank XXXX. XXXX XXXX XXXX, FL XXXX As you can see above I already contacted Synchony!!

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 2022-05-25
Company: Experian Information Solutions Inc.
State: OH
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:
Experian refuses to let me dispute an error on my report and says they are only required to investigate any account one time. Any attempt to file a dispute for a different reason they claim is a duplicate dispute. They will deny you the right to refile a dispute or provide any evidence to show their error. Experian says you may upload documents but their website will not allow it and they are fully aware and have been aware of this problem for years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Credit bureaus did not complete a full investigation. Did not removed errors off credit reports.

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 2017-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. In XXXX XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX 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 explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 recently reviewed my credit report and I found errors on my report from accounts I did not provide my written instruction. According to 15 USC 1681 I have a right to privacy and a consumer reporting agency can not furnish an account without my written instruction.

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 2022-05-25
Company: EQUIFAX, INC.
State: PA
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 am writing to correct my credit report. I have already contacted the companies directly and still no change. I have submitted multiple police reports and I did a Affidavit with the Federal fair Trade Commission. As I was checking my report i realized that the collection which cam from XXXX XXXX should have been removed from my account who ever opened the account did not have my correct birthday. That account was made and used before my XXXX birthday so its no way it could belong to me I am submitting a copy of my birth certificate as proof that I am only XXXX years old and not XXXX my credit file incorrectly shows. I ask that XXXX, XXXX and Equifax update my date of birth correctly and immediately DELETE all account created with inaccurate information as they are not mine and I did not make the charge. Please delete portfolio recovery, XXXX and XXXX XXXX XXXX those accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: MD
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 recently reviewed my credit report and I found errors on my report from accounts I did not provide my written instruction. According to 15 USC 1681 I have a right to privacy and a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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:
The Credit reporting Agnecies continued reporting the fraudulent information on my Credit Report without proper verification. On XX/XX/XXXX, I requested that the Credit reporting Agencies provide me with documments bearing my signature to prove that the disputes are mine and yet, the Credit Bureaus have failed to provide those documents. On XX/XX/XXXX, I sent another letter emphasizing the importance of the Fair Credit Reporting Act section 605b ( c ) ( 1 ) ( c ) Authority to decline and Rescind. How many letters do I have to send to the Credit Bureaus for them to pay attention to my appeals and remove the disputed items from my Credit File? It seems that the Credit Bureaus have neglected their responsibility to comply with the Federal law and became lazy to take actions and correct my Credit report. I am frustrated by the Credit Bureaus taking no action and negligent of their duties. By submitting this complaint through the CFPB, I am reminding the Credit Bureaus that they are bound to comply to the law and have the fraudulent items deleted from my Credit report immediately. I need the following items deleted from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/XXXXXXXX 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 2021-06-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Good morning, I have attempted to resolve repeated disputes with a Wells Fargo checking account in recent months. Their incompetence has led to credits being posted as debits, multiple week-long delays in payments, and other accounting errors. I attempted to pay my credit card bills with XXXX ( a very well-run bank, I may add ) several times, and Wells Fargo was incapable of processing the transactions. This led to several delays in payment, which I had to correct from a separate credit union account. Weeks later, after I had tried to close the Wells Fargo account, and it was more or less empty, they attempted to make the payments to XXXX. This led to overdrafts, which I had to correct by dealing with both banks personally. 

Wells Fargo XXXX everything up, repeatedly. I wound up having to fax my bank records to XXXX, to remedy the problem, but by that point, I had to close the credit card accounts and make a deal for long-term payments. Still, by my records, I can see that the Wells Fargo account should have about a {$40.00} surplus, yet they claim it is {$100.00} overdrawn. Perhaps over {$1000.00} in XXXX payments have gone missing. XXXX has been extremely cooperative in my investigation I have been conducting personally, yet Wells Fargo has been impossible to deal with. I suspect Wells Fargo is acting fraudulently. I received an email this morning from Wells Fargo claiming that they are reporting me to XXXX XXXX XXXX. I will not tolerate their incompetence and/or corruption any longer. They will not slander me any further. Please investigate. XXXX has the records I faxed to 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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called TransUnion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX on my credit report which is UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time. One of the staff told me to visit XXXX XXXX XXXX and Report the Fraudulent account and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by TransUnion not blocking this account is inadvertently resulting in me being extorted.

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 2019-02-09
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY CURRENT MORTGAGE COMPANY SHELLPOINT MORTGAGE AND WAS DENIED DUE TO HAVING EQUITY IN MY HOME. THIS IS ABSOLUTELY INCORRECT AS I HAVE XXXX MORTGAGES WHICH MAKES ME UNDERWATER. I TRIED TO EXPLAIN THIS TO MY ASSIGNED REPRESENTATIVE XXXX XXXX, HOWEVER IT IS APPARENT HE WAS NOT HIRED FOR CUSTOMER SERVICE BUT TO ARGUE THE POINT HE DOESN'T CARE NOR WILL THE COMPANY HE WORKS FOR WILL DO ANYTHING ABOUT IT. I HAVE BROKEN DOWN THE LIENS ON TITLE TO SHOW THAT I AM UNDERWATER ON THE PROPERTY AND SHOULD NOT BE DENIED FOR HAVING EQUITY AS HE STATED, HE SAID ITS NOT HIS PROBLEM. 

My mortgage balance on the first XXXX is {$240.00}, XXXX ( {$34000.00} delinquency estimate ) My mortgage balance on my second lien is {$100000.00} Total {$380000.00} Appraised value per representative {$350000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
The wrong balance have been reported for my student loan, when I left XXXX college I paid money before I walked off the campus to a young man who worked in the office. He was leaving and so I trusted him to receipt that he had got that cash. I continue to do my paperwork, and even talked to XXXX XXXX rep on the phone, who told me what paperwork I needed to turn in while still attending another college. I faxed it in to XXXX XXXX, however they started taking money from me in XXXX, I disputed the amount on my credit report as wrong, XXXX, they continue to take money but reported the same amount on my credit report with no change since XXXX.Each time I went to get a loan, a house the amount would show the same amount from XXXX and it would not show that they had received payment or even now when I have money coming out of my card they said they could not show the amount coming out to increase my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Investigation took more than 30 days

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any 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 Late Dates 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 2021-09-08
Company: EQUIFAX, INC.
State: DC
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:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by XXXX. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXDate of Inquiry XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: LEXISNEXIS
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for an auto loan. XXXX XXXX, XXXX - XXXX XXXX was used through some of the banks listed on several of my CFPB complaints on file already. That credit score was half ( and much lower ) than what was reported by the other three credit bureaus. 

I just opened all of my notices from XXXX XXXX. There is no report attached. Lexis Nexis claims they could not verify my identity. So, they are unable to produce a report. 

How did the banks obtain that information if Lexis Nexis was unable to verify my identity? 

All legal documents were produced heavily with secondary and tertiary style identification. 

How am I supposed to dispute an alleged low credit score through XXXX XXXX, XXXX - XXXX XXXX if they can't pull the report. And how were they able to provide a credit score to the bank, but I can not get a copy of my own report?

Company response to consumer: Closed with non-monetary relief