BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-21
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive requested the original lease agreement as well as the renewals for all years, especially the year XXXX when the eviction took place. Ive only received an expired lease from CBSA, from the years XXXX to XXXX. 

On this documentation, they typed in my name, etched it out and wrote it in and misspelled my last name. ( page 1, item 1 of lease contract ) They also forged my name under occupants not signing lease. Indicating that Im not the lien holder. ( Page 1, item 2 of leasing contract. ) They placed my initials under initials of our representatives, which is for the property management to sign, not an occupant. ( Page 2, 3, 4 & 5 at the very bottom. ) They also forged my name again on the last page of the lease and social security number. They also failed to put a date in too. They not only forged my name but a sibling of mine as well. ( Page 6 of leasing document, bottom right of page. ) I am demanding that they produce non-tampered, original renewal leases, from ALL YEARS. Especially from the year XXXX, the year of the eviction and the eviction documentation. 

Theres no payment history from me in the year XXXX which further proves the inaccuracy. 

They have been producing fraudulent documentation to not only all credit reporting agencies, but to you as well. I am demanding that CFPB to actually LOOK at the documents instead of taking their word. Protect me not them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-17
Company: GOLDMAN SACHS BANK USA
State: NY
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:
My balance is incorrect. It is about {$400.00} more then what I spent. This is the XXXX time they have done this to me. They tell me it will take 90 days for them to figure this out. I do not have 90 days to wait for my XXXX back. I can not afford to pay the bill and I do not want my credit score to be impacted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-17
Company: Experian Information Solutions 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 tried reaching out to this bureau multiple times about accounts that are not mines on my credit report! i need these investigated and removed today!

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 2022-01-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently gotten off the phone with you all about the account on my profile .Explained numerous times that this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( 2 ) ( A ) ( i ) ( ii ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are a few accounts on my credit reports that are reporting inaccurate information. There are accounts that I am not familiar with, Creditors that I have never done business with reporting negative accounts on my reports. They are reporting that I had a repossession with XXXX XXXX, and are reporting two collection accounts with XXXX XXXX and XXXX XXXX. I have been disputing these accounts for some time now with the credit bureaus and they have failed to respond to my disputes. I have asked for validation of these accounts. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have reached out to these creditors and they have either not responded or have not provided proper valid sufficient documents that prove the account and debt belongs to me. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
The credit bureaus is reporting inaccurate information on my credit history. I've sent the agencies a Identification driver 's license and recent bill.

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 2019-12-05
Company: WELLS FARGO & COMPANY
State: MA
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 was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: IN
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 asked the credit bureaus to do an in depth investigation of my credit report. I never received a response for this request. I only received two letters from XXXX applauding me for taking charge of my credit. Ive attempted disputing formally and via electronically but my report did not change after each attempt. I was giving this option after representative from XXXX saw I was not getting anyway after several attempts. I still found several inaccuracies after each fail attempt. 

XXXX  : Account number : XXXX, you did not remove the past due from this account and therefore, it must be removed. 

XXXX XXXX Account number : XXXX, you did not remove the late payments XXXX  : Account number XXXX Last activity inaccurate XXXX XXXX XXXX  XX/XX/XXXX XXXX not reported XXXXXXXX XXXX  : Account number : XXXX, missing notice of dispute. Reporting after account was closed XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX delete due to inaccuracy XXXX XXXX  : Account number : XXXX, this account Last activity date XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX please delete due to inaccuracies. 

XXXX XXXX : Account number : XXXX, activity dates XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX : Account number : XXXX, last XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : Account number : XXXX, remove for inaccuracy - years of payment history reported after account was closed and the date of last activity changed without any activity occurring - XX/XX/XXXX on XXXX XXXXXX/XX/XXXX on XXXX XX/XX/XXXX. 

XXXX XXXX Account number : XXXX, remove for inaccuracy XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : Account number : XXXX, remove this for inaccuracy because the date of last payment is reported differently on all 3 bureaus : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

XXXX XXXX XXXXXXXX : Account number : XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX Account number XXXX Discrepancy an account status XXXX  status Open XXXX Closed last activity XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Not reported to all credit bureaus only XXXX In accordance with the Fair Credit Reporting act XXXX Acct # Chase XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX has violated my rights 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was trying to understand what fees I would pay with my AmEx Blue Preferred Cash Back card if I used their new Plan It feature. I contacted them via their support messaging feature on their XXXX App, asking how much in fees I would pay if I used their Plan It feature for a {$390.00} purchase. I was told there was no way to know how much I would pay in fees if I used the feature until after I made the purchase. I asked what mathematical formula and criteria they used to decide how much a cardholder would pay in fees if they used the Plan It feature. I was given a vague description with only some of the criteria listed, including " creditworthiness, the purchase amount, and ( my ) Account history. '' They also said the " System check ( s ) real-time balance at that date, account history, charge selected for plan and offers the duration. '' I then proceeded to ask again for the mathematical breakdown of how they decide what my fees should be using the new feature and was told to call their XXXX. 

I called the number and spoke with two different representatives. The second one talked me through downloading the service agreement associated with the card. The service agreement does not cover the entirety of the criteria, and how it is used to decide what fees are associated with a purchase if the cardholder was to use their Plan It feature. The second associate that guided me through downloading the service agreement told me multiple times that the document did say the exact criteria and mathematical formula they use to assign Plan It fees. At one point, I had to start reading the service agreement out loud so she could understand the difference between what I was asking for and what the document described. Afterward, she put me on hold for a while and came back saying that I could make a formal request by sending a letter to their XXXX XXXX in Texas. Multiple times, I asked for an email contact and was told she could only give me the XXXX XXXX XXXX She was lovely and very apologetic about the situation, but she was not going to point me in the direction of someone who could answer this question about fees. 

I've included my card 's service agreement. I can also send over a screen recording of my conversation with their support staff via their XXXX App.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX and I am filing this complaint against Equifax for violating my rights under the Fair Credit Reporting Act. During a reinvestigation, pursuant to 15 U.S.C. 1681i ( 7 ) of the FCRA, I was supposed to receive a description of the procedure used to determine the accuracy and completeness of the information on my credit file from Equifax no later than 15 days after receiving my request for that description. I requested a description of the procedures used to determine the accuracy and completeness of the information reporting to my file through CFPB complaint numbers XXXX, XXXX, XXXX and by certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. It is now XX/XX/XXXX, and I have not received anything from Equifax regarding this matter. It is my belief that no such records exist and my right to privacy has been violated for profit. My financial reputation is being ruined due to XXXX blatant disregard for federal law. It is my belief that Equifax feels comfortable committing blatant violations of the FCRA because they know the CFPB wont enforce the laws set forth by congress as shown time and time again. Equifax has caused me sleepless nights, stress, anxiety, and XXXX due to its profits over the law mentality. Pursuant to 15 U.S.C. 1681i ( 5 ) ( A ) If after any reinvestigation any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I am writing to American Express to express my disappointment with a charge that occurred on XX/XX/2021 from XXXX XXXX XXXX  in the amount of {$99.00}. This was for a subscription that I had cancelled prior. 

From XX/XX/2021 to XX/XX/2021, I was abroad in XXXX and did not have my cell phone on me, as I was using a XXXX phone number. I did have my laptop but did not receive any email correspondence from American Express. 

According to my phone records, American Express called on XX/XX/2021 and XX/XX/2021 to inquire about the above fraudulent charge. American Express also sent a text message on XX/XX/2021 regarding the above fraudulent charge. 

After I got back from XXXX, for some reason, American Express had allowed this charge to go through without my express approval and without discussing with me. 

Subsequently, I was charged a late fee on XX/XX/2021 and additional interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX )  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, 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:
On XX/XX/2020, I contacted Equifax about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XXXX XXXX XXXX Balance : {$560.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXXXXXX XXXX, Balance : {$230.00} ), XXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX, Balance {$15000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation