BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: PA
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:
Good Evening, 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. 

These following names, accounts & addresses are incorrect and are violations to my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

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

15 U.S.C 1681c. Section ( a ) ( 5 ) : States that 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 ) States that 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.

REMOVE THESE ITEMS FROM MY REPORT AND PROFILE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian credit reporting agency is reporting address that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Sir/Madam, I am asking for your assistance on this matter. I've been sending letters to Experian since XXXX and I have received their correspondence at all. I want this account to be REMOVED on my credit report as I have no knowledge about it. I didn't remember having this in the past. I wish they would listen to me this time.

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 2023-02-03
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX The company above along with Experian, XXXX, & XXXX has not validated this debt, Experian has not provided methods of validation and the debt collection has not provided original contract with XXXX XXXX with my wet signature. 


I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debt. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency myself, XXXX XXXX and they have failed to verify that this is indeed my debt. 
I was given no evidence of my obligation to pay this debt to this collection agency.. 
The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 
In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter.

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 2023-02-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Unauthorized transactions by 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 2023-06-18
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My information on my credit report. This began XXXX of XXXX to current.There is four aliases and a address i disputed and its back on my credit reportXXXX XXXX XXXXXXXX XXXX, ca. As well as inquires, making fraudulent consumer complaints. I have been disputing all this stuff since XXXX of XXXX under my XXXX XXXX, and equifax. There was a business credit alert on my experian account in XXXX. There are several fraudulent business credit lines under two of my business XXXX and XXXX XXXX. 
My name is XXXX XXXX XXXX. My order of protection XXXX including my original documents of rXXXX XXXX XXXX as well as a copy of case docket were exposed on dark web and public. I picked up a copy of my case docket in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX Ive reached out to Equifax about a dispute against an item on my credit report from XXXX XXXX. I have shown legitimate proof of several inaccuracies and the sales contract as well from XXXX XXXX  in which they attempted to validate the debt that was inaccurate based on the evidence that they provided as highlighted in my provided documents. I have also provided a 30 days to comply letter on XX/XX/XXXX in which I provided additional evidence confirming the inaccuracies in their allegation of debt listed on my credit report. There were more than three different balance due amounts. there were incorrect and false information regarding my address and contact information as well as the creditors address and contact information. They stated that I traded in a vehicle that shows on my credit report that I paid off two years after the sales contract date that states that I have traded in a vehicle their sales contract also shows incorrect amount stating that there was an amount credited towards the balance from the trade-in which never happened as you can see on my credit report which states that I paid off the supposedly traded vehicle 2 years after the contract date from XXXX XXXX . This debt that shows on my credit is a complete fiasco and must be removed due to inaccuracies as stated in the FCRA law. I have also stated in my dispute reasons why a XXXX  XXXX account should be removed from my credit report as it was removed from my XXXX and XXXX XXXX account in which XXXX XXXX also agreed they had no knowledge of this account and agreed to remove it from my credit report equifax is the only credit bureau that didnt comply with the removal. This should not have not taken longer than 30 days and i should not have to file a complaint with the CFPB as well as FTC for Equifax not doing their jobs properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-06-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My XXXX XXXX  Credit Card Opened XX/XX/XXXX is Showing a 30 day late payment for XX/XX/XXXX I have provided the billing statement below to show proof I was never late in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have an Apple credit card by Goldman Sachs. I purchased some items for XXXX that I subsequently returned. The refunds were for XXXX and XXXX and were processed ( hit my credit card account according to statement ) on XX/XX/2022 and XX/XX/2022. I bought an XXXX XXXX sometime last year and decided to pay it on installment basis, with 0 % financing. The outstanding installment balance is {$870.00}. I always prepaid any and all balances in my account before they are due. 

I had also filed a dispute as I had made a purchase in XXXX that the vendor had not delivered by middle of XXXX, so after hours of calls, I asked Goldman to dispute it. That's another {$3200.00} dollars, so technically, I have over 9,300 dollar credit ( i.e., Goldman owes me ) balance in my credit card. After more than 1 month, they still have not resolved that dispute. When I went to make a purchase and it was denied, it is when this whole situation unraveled, as the 3,200 conditional credit issued was reducing my spending limit, even though, and ignoring that conditional credit, I had over {$6000.00} balance owed to me. 

Goldman Sachs refused to wire me the outstanding balances in my favor, when I asked that they be returned immediately. Initially they told me they would send me the balance less the installment credit balance, which they will use to repay the installment loan on a monthly basis as it becomes due. That amounts to cash collateralizing the installment loan for no reason, with the pernicious consequence that the installment balance at the same time affects the credit balance in the account as well as my own credit score since the debt would show as outstanding. They told me they can do all of that, with any cash balances in my favor, per policy and bank regulations. I told them they didn't have the right to withhold my money, they didn't have the right to cash collateralized the installment loan and that I wanted to close out my credit card and get my money back. They told me a ) somebody would get back to me within 10 business days to answer my complaint, and b ) they would have to evaluate my account since I want to close it and would decide after several months what they would do, which didn't answer when I would get my money. 
I also challenged them to adjust my spending limit by the cash balance in my favor, so that I could make the purchase, to which their answer was " we can't do that '', and you have to use another credit card, i.e., take your business elsewhere. 

Well, this is exactly what I am doing, I purchased the item on my Platinum card and I hope you help me get my money from Goldman, but more importantly, curve this outrageous behavior. They should be paying me interest on my balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The dispute for the account with XXXX XXXX XXXX  that starts with XXXX has been updated. 

Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been updated. 

Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX You have opened an Account Dispute on your Experian credit report. 
XX/XX/2023 The dispute for the account with XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/2023. 

Source : Experian Date Submitted : XX/XX/2023 Estimated Resolution Date : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: WELLS FARGO & COMPANY
State: TX
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:
I have Wells Fargo Autograph VISA credit card. On or about XXXX XX/XX/XXXX, I made purchase for XXXX XXXX XXXX XXXX -in XXXX single transaction. XXXX made around XXXX changes in the flight due to which I can not go and cancelled my XXXX XXXX XXXX weeks prior to departure though XXXX other family members went via united. 
XXXX assured me full refund as those XXXX changes were extreme and due to my job- I simply can not take it. But united rather than refunding my full ticket value to my credit card, XXXX made the refund in the form of XXXX XXXX XXXX- which i never wanted. 
I tried to create dispute with Wells Fargo but online system didn't helped me. Later I called Wells Fargo on XXXX XX/XX/XXXX- talked to XXXX agent. XXXX agent made an excuse that the purchase is more than 6 months so now can not be disputed. XXXX agent made an excuse that the purchase is more than 4 months so now can not be disputed

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 2022-03-12
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Truist Bank refuse to remove Unauthorized fraudulent charges are still not removed from this account.The creditor stated that they are going to close out my credit card and personal checking account with them. They have not given me a valid reason why they are closing my credit card or checking account I was told by a representative when I called in to come and get all of my money out of my checking account or they will mail me a check and they are closing my accounts with them. Them closing out the credit card will cause my credit to decline especially with the unauthorized fraudulent charges balance. This is retaliation against me for reporting them for not protecting my rights under FCRA laws as a victim of theft.

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 2022-03-11
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:
I just started pulled my credit today to see what my score was to apply for a car loan. When i pulled my credit i noticed my credit score was very low ( which i expected because i was told that if you dont have much on your credit it would be low ) however there were a lot of closed charge off accounts i never applied to, inquiries for things ive never applied to, open accounts i never created. There were jobs listed ive never worked at, addresses ive never lived. I dont know how this couldve happened besides my birth certificate being misplaced sooooo many years back. Ive never given my personal information out so im not sure how this happened however i did not apply for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries from XXXX XXXX ( twice ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  are all fraudulent. i did not apply to any of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, 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:
There are several items that are reporting inaccurately on my credit report : INCORRECT PERSONAL INFORMATION : Names : XXXX XXXX Address : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Address : XXXX XXXX Hwy XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXX & Equifax ) THESE ITEMS DOES NOT BELONG TO ME. IT IS REPORTING EITHER IN ERROR OR BY MEANS OF IDENTITY THEFT : XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX & Equifax ) ; Status states Included In XXXX ; UNKNOWN - Collection Account ; Opened : XX/XX/XXXX ; Bal : XXXX ( Equifax ) UNKNOWN - Collection Account ; Opened : XX/XX/XXXX ; Bal : XXXX ( Equifax ) XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; Opened : XX/XX/XXXX ( XXXX & Equifax ) ; Bal : XXXX INCURRATE REPORTING OF PUBLIC RECORDS : BANKRUPTCY - CHPT XXXX -FILED XXXX The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX ( 2 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) SCREENING REPORTS XXXX XXXX XXXX ( 2 TIMES ) XXXX ( 2 TIMES ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-02-10
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:
I am permanently disabled ; I have XXXX XXXX. I received a letter from the Department of Education XXXX XXXX XXXX that due to my XXXX, my loans have a XXXX balance and this has been resolved which I received on XX/XX/2023. I sent that information to XXXX via the online website on XX/XX/2023, with the Department of Education XXXX XXXX XXXX letter. I received a letter from XXXX on XX/XX/2023, stating they will not change the balance. XXXX won't report this as a XXXX balance on my credit report. This affected my credit and the opportunity to move to another apartment. It affects any chance to open a bank account, open a credit card, and rent an apartment. It has destroyed my credit. My credit score is XXXX and has always been excellent since I established credit over nineteen years ago. This also affects getting a job and getting medical treatment. 
Additionally, when I contacted XXXX by phone, I spoke with a supervisor named XXXX who outright called me a dishonest liar, and she would not remove or acknowledge the information was accurate with the Department of Education XXXX XXXX XXXX. I provided her with all the information which was accurate and factual. I am a disabled woman with XXXX XXXX and this is caused me that is being affected by this false information by XXXX. Additionally, I have submitted this information online and via-certified mail to Transunion. To date, they have also not updated the correct, accurate information with XXXX XXXX Department of Education showing 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 non-monetary relief