BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested the XXXXXXXX XXXX  ACCOUNT REPORTED AS VLISED DUE TO ACCOUNT ABUSE BE REMOVED FROM CHEKSYSTEMS CONSUMER REPIRT THIS ACCOUNT WAS not INVESTIGATED PROPERLY Nor resolved TO IDENTY THEFT. I was told this would be resolved by XXXXXXXX XXXX they failed to stay in constant communication with me also did not communicate findings nor a resolution to my 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 2020-03-23
Company: Experian Information Solutions 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:
My name is XXXX XXXX. I have an incorrect account reporting on my credit report from the company XXXX XXXX, XXXX. I sent a validation letter to XXXX XXXX which was received by them on XX/XX/2020. As of XX/XX/2020 my alleged debt to XXXX XXXX still has not been properly validated. As of XX/XX/2020 XXXX XXXX  continues to report an incorrect /unvalidated/unverified account on my credit report. To my understanding this is against federal law. Also, to my understanding XXXX XXXX XXXX had a judgement against them vs State of Texas in XXXX County TX district court for not acquiring consumer agreements and providing them per alleged debtors request. I have requested a consumer agreement and have not been provided a copy of the agreement as of XX/XX/2020. This is against my federal rights to have incorrect unverified accounts reporting 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 2018-02-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Home Mortgage has not sent me what I have requested for the last 3 months which is the closing documents sign in 2009 as I have requested time after time. Wells Fargo Home Mortgage keeps sending me refinance documents in which I have never requested and a bunch of papers of the same thing in the package. 

I want the closing documents in 2009. I have my documents that was giving to me with over 20 signatures lines left blank. Wells Fargo Home Mortgage has been advoiding sending only what I have requested. 

There are several issues with the documents as other documents that have yet to be authenticate signatures that are in question on Wells Fargo Home Mortgage.

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 2023-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-09-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On my credit report, they reported my being 60, 90, and 120 days late, however, they failed to report the initial 30 days late. I have added a screenshot of what I am seeing on my credit report down below.

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 2023-12-11
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX an account from TRANSWORLD SYSTEMS INC. appeared on my credit report. The account is reporting Im in debt in the amount of {$910.00} to them.

I have never done business with this company nor signed any legal document or made any agreements that I will make this or any payment for services provided by their company and therefore considered fraud on their behalf.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I am a victim of identity theft!! Please delete this items IMMEDIATELY!

This accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumzzer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed and any other account listed as a collection IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the accuracy of certain accounts currently listed on my credit report. After a thorough review, it has become apparent that there is insufficient information to verify the debts associated with the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX, and DEPT OF EDXXXX XXXX, and DEPT OF ED/XXXX  XXXX XXXX I dispute the completeness and accuracy of the information provided for these accounts. The lack of sufficient details to validate these debts necessitates their removal from my credit report. I request that you conduct a thorough investigation into these matters and, if unable to provide verifiable proof of these debts, remove them from my credit file immediately. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).

Company response to consumer: In progress
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: CA
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:
I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XXXX to remove THESE ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items are UNKNOWN to me, Ive already included this in my previous Complaint & I am including it again.,

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 2022-10-20
Company: EQUIFAX, INC.
State: MD
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:
Unauthorize and Fraudulent Hard Inquiries : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: FL
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting 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:
I just received my new credit report for Equifax and I found quite few auto Soft Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

List of Fraudulent Soft Inquiries that wasnt authorized by me Please have them all deleted immediately! 
Total inquiries is XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX UPDATE XXXX EQUIFAX XXXX EQUIFAX XXXX XXXX EQUIFAX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXX XXXX EQUIFAX UPDATE XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX EQUIFAX XXXX EQUIFAX XXXX EQUIFAX XXXX EQUIFAX XXXX EQUIFAX XXXX XXXX XXXX/EQUIFAX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: NC
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 would like for the folling inquiries that I haven't given authorization or authorization to pull my crefit file it is a direct violation of fcra to report incorrect or unauthorized inquiries on my credit file.pleasehave them removed immediately See Below XXXX is reporting XXXX -XXXX XXXX XXXX XXXX Equifax is reporting XXXX These inquiries need to be removed and are a direct violation and predators.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 have attempted to file disputes and have information on my credit reports updated to reflect the current status, account balances, etc. of various accounts on my credit. Each time I attempt to file a dispute the companies decline to update my information to reflect accurate information. The following is accurate. 

On XXXX I contacted XXXX, a credit card company, and found out that my account had been charged off. They provided me with contact information for XXXX XXXX, the company that now had my account. On XXXX I spoke with a representative and paid the account in full, as agreed per the settlement offered. Attached is a recent shot of my bank account showing this debit from my account. 

On XXXX I contacted XXXX, a credit card company, and found out that my account had been charged off. They provided me with contact information for XXXX, the company that now had my account. On XXXX I spoke with a representative and paid the account in full, as agreed per the settlement offered. Attached is a recent shot of my bank account showing this debit from my account. 

On XXXX I contacted XXXX XXXX XXXX. They informed me that I had a collection account for XXXX XXXX XXXX ( a past-due bill ). I paid the balance, per the settlement agreement in full. 

On XXXX I contacted XXXX XXXX XXXX XXXX company. They informed me that I had a collection account for XXXX. I paid the balance, per the settlement agreement in full.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. 

XXXXXXXX XXXX  XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ; XXXX XXXX XXXX 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 instruction. 

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 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 2022-02-19
Company: Experian Information Solutions 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/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and 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 2023-12-13
Company: EQUIFAX, INC.
State: WV
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-06-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Starting in XXXX of 2023, I was trying to submit to purchase a property when there was a public records on my credit report. Submitted proper documentation to XXXX to verify and take proper steps to remove from my credit report. After receiving a letter from XXXX that information was unverifiable, it was removed from my credit report by XXXX and XXXX. Submitted a dispute with Experian providing support that bankruptcy on file is not mine. 

Recieved a response stating information has been verified- when I called customer support to ask which company verified such information, no one would provide the response and told me to resubmit another dispute if I did not agree. After 3 attempts, no one provides source for verified information - on Experian 's website, it states that Public Records are verified through XXXX, but yet, XXXX does not have this information on my credit report. 

I went on PACER website, XXXX, and the give bankruptcy court website, and neither provide the information to credit bureaus for verification - Experian will not release source that verifies that public record to 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