BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
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:
The credit bureaus are violating my rights not obeying the laws in place by the fair credit reporting act. Ive sent XXXX, XXXX and Equifax certified mail 3 times XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX explaining i have not had a proper investigation performed and how they are violating the fair credit reporting act. These consumer report agencies are in violation. 


According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 a person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to consumer to any consumer reporting agency If ( i ) the person has been notified by the consumer, at the address, specified by the person for such notices, that specific information is it accurate; and ( ii ) the information is, in fact, inaccurate. 

They also didnt even record the current status of the disputed information which is another violation. 

I can go on and on. 

The credit bureaus have no respect for the laws. 

Somebody needs to be held accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
This are unauthorized inquiries along with incorrect addresses and phone numbers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ; Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX  XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : 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 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 or 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15USC 1681Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2024-01-02
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
even after supplying a letter from the company stating the debt is not mine new companies continue to call and try and collect the debt.

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 2024-01-08
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company is a third party debt buyer that purchased " Uncollectable Debt ''. The originator, SYNCHRONY BANK AMAZON, violated the TCPA and fair debt collection practices, and was sent a demand for validation of debt. The originator, SYNCHRONY BANK AMAZON, failed to validate the debt in a timely manner and pursuant to Federal laws and regulations, the became No Longer allowed to collect, report, or bring litigation as a result of their own failure 's. The third party collector or debt purchaser has obtained " uncollectable debt '' as a result of the originators failures, and does NOT become collectable just because it is is new hands. 

I Demand that any and all derogatory information be removed from my trade lines immediately as the collector has NO legal grounds to report or collect any debt from myself. I intend to bring litigation against both collector and originator if the matter is not resolved in accordance of Federal Laws and regulations regarding a creditors failure to validate a debt.

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 2023-04-17
Company: EQUIFAX, 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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-17
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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:
US Department of Education, XXXX XXXX, and all 3 Credit Bureaus are reporting that I attended XXXX XXXX. I have never attended XXXX XXXX, I even reached out to XXXX XXXX XXXX XXXX on XX/XX/XXXX  in regards to this matter they stated that they do not have any record of me ever attending their college. On XX/XX/XXXX  I have disputed this on my credit report several times and I have reached out to the US Department of Education as well, which they have given me wrong info in regards to this matter asking me do I live in Virginia I have never lived in Virginia, and I have never used the user name for the account on the studentaid.gov site. It shows I owe {$20000.00}, this has been a pitfall on my credit report for years. I have been fighting that I never attended XXXX XXXX XXXX XXXX and seems as though they don't care. I need this resolved ASAP Thanking you in advance, Victim

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
Wellfargo closed my accounts after more than 20 years in service with that company, the reason is that i am high risk customer because over several months i cashed some third party check from same company which i had an agreement which. 
We run a small convenience store and cross street from us there is a scrap yards company that dispense check to customers so we had an agreement with that company that allow me to cash check for their customer since some of those customer do not have id or do not want to drive all away downtown to the bank or avoid high cash checking fee. 
so over more than eight months we have cashing that company checks over XXXX checks free when customer buy something from store. 
We apply for check cashing licence with XXXX but because of the volume of checks cashed which is less than XXXX a week banks refused to open us a money service account. 
I was surprise when the bank send me a letter closing all my account and holding a large amount of money from my saving account saying that i can not cash a third party check without going thru the process of cash checking. 
I contacted the financial manager of the recycling company so he can clarify the issue but wellfargo refused to speak to him. i tried 3 ways phone call they still refused to speaking to him saying that they can not speak to third party. 
I am very desperate right now, i falling on rent, store supply low, behind on employers wages.. 
wellfargo want us to bring all the individual with name on check to the bank with their id to confirm that its ok for us to cash their check and if they actually received money from us they know i am not able to do that there more than XXXX checks. all they should do is to contact the issuer of the check and the recycling company to verify if i am allow to cash their company checks please help. 
thanks

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 2023-03-20
Company: College Ave Student Loan Servicing, LLC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been having issues regarding college Ave student loans I have two student loans, which aren't on default. I have been making regular payments however if I fell behind for 10 days I get harassment calls really unpolite not only me but also my cosigner. This bank not only calls me and my cosigner but also my mother that is not part of this contract. I never owe a monthly payment for more than a month. 

I have been trying my best to be a good customer however due to the situation I have a hardship so I have been trying to offer the bank different solutions to make a payment arrangement that can help me and help the bank to get the payments on time but the constant answer is no that I have to make a complete payment. 

As a today I have two different companies with student loans. with college Ave student loans I'm paying {$1400.00} dollars which is almost 50 % of my monthly salary. Thanks to this situation I am suffering from anxiety because I barely have money to survive. Please help me with this bank cause I don't know what to do all I'm looking for is to make a payment arrangement so I can pay a lower amount and not get this debt in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting 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:
I notified the credit bureau ( XXXX ) along with the XXXX companies XXXX XXXX XXXX XXXX dating XX/XX/XXXX, Ally Financial dating XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX  dating XX/XX/XXXX ) that I am a victim of identity theft and that my credit profile has been compromised. I provided them with proof of FTC Identity theft report along with a notarized letter stating such, along with a copy of my driver license and social security card. They have yet to remove these Inquires from 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 2023-04-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I requested for an through investigation to be done on my consumer report and noticed inaccurate information reporting has not been corrected. I've included certified mail receipts XXXX # XXXX Equifax # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I own a small business and have a business checking account with Wells Fargo bank. On XX/XX/23 I deposited a check for {$4500.00} and on XX/XX/23 I received an email saying Wells Fargo put a bank hold on the check deposited. We immediately called the payer and he sent us a screen shot of the monies clearing his federal credit union. We then called Wells Fargo and we were told theyre holding it for 10 days due to suspicious activity. Today I spoke with everybody and nobody can tell me why this hood was placed on our account and the money has cleared from the payers account. Wells Fargo keeps giving me their same old tired refrain about suspicious activity which by now we all know thats b.s.! Ive wasted more time on the phone trying to get this money released as we are a small business and need it badly. 
Its so frustrating to talk to Wells Fargo and be passed around from department to department, to be disconnected and have to call back several times only to be told to go to a branch. We went to the branch and they called their back office and told us it would be 10 days for this hold!! As of this writing I still dont know where the suspicious activity is as Wells Fargo already has the money released from XXXX XXXX XXXX XXXX XXXX The only one inconvenienced is me, the customer!!

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 2023-04-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account that is shown on consumer reports doesnt belong to me, and I have given no written instructions to furnish this information pursuant to 15usc 1681b ( 2 )

Company response to consumer: Closed with explanation