BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX : {$30.00} ; XXXX XXXX XXXX Balance : {$210.00} XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX XXXX**** Balance : {$170.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting Act XXXX this creditor, has violated my rights.

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

15USC 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 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 2023-08-07
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened an account with Macy 's in XXXX XXXX paid my first bill in XXXX. Began receiving bills for 'charges. '' No one in their customer service could explain why. 
I cancelled my card the next month. Bills kept coming, repeated calls to me to ask for payment. Multiple calls over the next several months. I did not want to damage my credit rating, so paid what I thought was the total for " fees '' and now I am getting bills for interest and purchases.

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 monetary relief
Consumer complaint received 2021-06-20
Company: CL Holdings LLC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I disputed my debt with Jefferson Capital for my XXXX XXXX debt of {$730.00}. They could not verify the debt, the amount owed, the original creditor, or the date the account was charged off/sold. I would like this trade line deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: NJ
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:
Credit inquiries on my report I do not recognize Also reporting a late payment on XXXX XXXX in XXXX and my payment was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Equifax so many times via phone online, and via first class mailings on many many occasions in regards to 1 account that were placed in my name that did not belong to me and i did not authorize or was not familiar with.I get the same results and i have had it, it makes it look very bad on my credit report, and reporting negatively. I am trying to build my credit up to obtain better things in life and it makes it difficult when they checking credit and i have negative accounts that do not belong to me reporting inaccurately.I have disputed and reached out to Equifax more then several times and they say the same thing over and over.The companies either need to send proof or validation or it needs to be removed.These account does not belong to me. I have called and they have told me that their handling it and they received proper paperwork and i should see an update and i never do.The last Rep talked to name was XXXX in the Customer Service, I have not had any luck with this. The following account that are reporting are : XXXX XXXX XXXX XXXX with a balance of {$730.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: AL
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent letters to all credit bureaus XX/XX/XXXX in regards to reporting an XXXX  under my public record that was not verified and not provided by the XXXX XXXX  court directly. I reached out to the XXXX XXXX  XXXX XXXX XXXX XXXX North Carolina and confirmed verbally that to don't provide info to 3rd parties that are not included in the initial case. ( XXXX XXXX, XXXX, XXXX XXXX Transunion are not included included in any of the court case information ) In the letters I sent I requested that they remove the XXXX  from XXXX XXXX XXXX NC XXXX, Identification Number : XXXX XXXX Dated Filed : XX/XX/XXXX with all credit bureaus XXXX XXXX, XXXX XXXX XXXX XXXX Transunion XXXX due to reporting inaccurate and/or incomplete, unverified information concerning my public records in consumer reports. I have not received any correspondence back from any of the credit bureaus within the 30 day. When I didn't hear anything back, I sent XXXX XXXX  XXXX XXXX XXXX XXXX North Carolina a letter for a written statement instead an verbaI conversation had with them so I could file a complaint with the CFPB because I feel like the credit agencies are not taking my request seriously enough to respond. I sent in Personal Information update request with the credit bureaus and got a response from only so far was from XXXX ( which is still incorrect ) but No one responded to the Public record correspondence I sent in.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent out validation letters for these companies to validate my debt. The validation is inconsistent with what they have sent in return. The companies are listed below XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX ( XXXX ) Treatment of inaccurate or unverifiable information. 
( A ) In general. -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The accounts are highlighted in the attachment

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 2022-10-14
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2022-02-14
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX, XXXX, I submitted a certified written dispute. The reason for my dispute was a chapter XXXX dismissed bankruptcy reporting on my credit file. I firmly believe this is inaccurate information reporting or a system error and ; was not appropriately validated under the Fair Credit Reporting Agency " Privacy Law. '' Experian claims they validate this information through Bankruptcy Courts / Public records and or third party XXXX. I found XXXX 's claim to be untrue, false, and misleading. Per XXXX XXXX ( XXXX  ) ( XXXX ) states : If the credit bureau can not validate the information with the original creditor/ source, they must remove the information /data from the consumer credit file. The bankruptcy court mailed me a letter that emphatically stated that they do not provide any information to the credit reporting agencies, nor do they validate or confirm public records. The US Courts system never validates public records information due to the Fair Credit Reporting Agency Privacy LAW.

I also contacted the third party " XXXX '' about the Bankruptcy information. Experian claims they have to receive this information ; I was informed that my XXXX file has a security freeze. How could Experian get this information/data if my file has a security freeze? I have a letter from XXXX stating XXXX may not release my reports or scores derived for those use cases. That letter is attached to this complaint. 

I'm challenging this issue through the CFPB to correct this issue and conduct a reasonable investigation to make your Company follow the law guidelines. 

If you refuse to fix this inaccurate information or remove the data from my credit file, you will be inviolated with the Fair Credit Reporting Act. I will open up a XXXX in Federal Court ; I will open up a complaint with the XXXX  ; I have supporting documentation to support my XXXX and complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
One unauthorized transaction of {$500.00} and another unauthorized transaction of {$300.00} from Unknown XXXX user on XX/XX/2023 from Wells Fargo account both unauthorized transactions. I filed a fraud claim for unauthorized transactions to Wells Fargo.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/2022.

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 2022-02-09
Company: WELLS FARGO & COMPANY
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX scam amount {$1700.00} Wells Fargo XXXX scammed with text phone spoof and session hijack to transfer to account in my name but after it was done was not my account but a bank ( XXXX ) I do not even use. Wells Fargo informed within the hour investigated provisionally refunded then XXXX days later said I did it it was not fraud and took the {$1700.00} back out of my account I did not authorize anything to chase! Please help. Initially received text then the bank called took my money via XXXX. Attaching phone ling bank taking money bank and XXXX transaction IDs

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: January Technologies, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Debt collection agency has called repeatedly alleging I owe money from various different loans pertaining to my social security number and has also mentioned same thing in an email. Unsure of how information was obtained in the first place, but I have made it very clear that none of this makes sense to me and to please stop immediately. 

Instructions have not been followed and harassment continues. I have even received text messages as well from them. XXXX/ seems to be an automated service, nonetheless bothersome. 

I would love some assistance to A. Get this information out of their hands and B. Harassment to stop immediately Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
I did not authorize the following inquiries on my credit report. They do not belong to me & this I a violation of my rights. 

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 2023-07-13
Company: Experian Information Solutions Inc.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023 I mailed in several disputes to all 3 credit reporting agencies along with those disputes each envelopes has my verification that I am indeed the one disputing incorrect information as of today XX/XX/2023 none of the CRA shows an active dispute In process on my profile and I very concerned about my disputes and why they have yet to start processing.

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 2023-08-23
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2023, I received a letter from Transworld Systems Inc about a collection of debt from XXXX XXXX XXXX. The letter advised to contact them by XX/XX/2023. Also, on XX/XX/2023, my significant other received a phone call from this company asking personal questions about me and seeing if he knew anything related about this debt. XX/XX/XXXX, I reached out to a nonprofit Debt Management company called XXXX XXXXXXXX XXXX to go over my options. She advised me not to contact the debt collection agency and that they would go through XXXXXXXX XXXX first. On XX/XX/XXXX, one of my sisters received a phone call asking personal questions about me and trying to collect a debt. Therefore, I used an online E-form to contact this company to tell them to stop contacting people that know me and to stop all communication with me until they have heard from XXXX XXXXXXXX XXXX. They have no right to contact my associates and they shouldn't have contacted me until after the date that they provided to me. What measures did they go through to get their contact information?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
see uploaded documents. Mr. cooper offered a pre approved modification After the 3 trial payments got the modification paperwork and was appalled my mortgage lenth went  from 20 years to 40 years. When I called them was told oh a modification isnt always a good thing. How can they justify doubling from 20 to 40 its not right at all. Also from the moment they took over as servicer there has been numerous issues. I spent a lot of effort to get my ex husbands name off and now its back on there. 

i need help they take no responsibility for any issues at all ....

Company response to consumer: Closed with explanation