BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for a car at the car dealership and I had alot of hard inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: Credit Control, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2023-12-13
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.

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: In progress
Consumer complaint received 2023-06-12
Company: FC HoldCo LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Between flagship credit acceptance and XXXX XXXX credit reporting company, each company is blaming each other for the reason why my account is not reporting accurately. The funny thing is is that XXXX XXXX claims flagship hasnt reported to them since XX/XX/XXXX? My car note was originally 90 days past due from losing a job and having to catch up on all of my bills come mid XX/XX/2023 I have caught up my car note completely, and have been on time since. XXXX XXXX is showing that I am still 100 to 90 days late on my car note which is not true. And for some odd reason XXXX XXXX updates to show that Im paid up and caught up then it seems like a couple days later it goes back to being 90 days late and deducts points off my credit first of all this late payment reflecting on my account, showing that I am late currently is affecting me from being able to move into a home. I am going to face being homeless, because neither company can get their act together and correct the problem. XXXX XXXX is the only one who is not reporting accurately.. here I am almost mid XXXX and they still can not correct my credit. Somebody is dropping the ball. I have disputed this account more than three times and each time it comes back stating that the information is correct and accurate, but it is not correct and accurate because my account is still showing that I am past due when I am not past due. At this point in time I have been current with my car note since XX/XX/2023 I am sick and tired of dealing with this. It has been three months at this point. Im to the point where Im going to get a lawyer involved and sue, both flagship credit acceptance and XXXX XXXX for their negligence.

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 2023-02-24
Company: Dunlap Gardiner LLP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have new and updated information regarding complaint XXXX XXXX. It is misleading for Dunlap Gardiner LLP to state that I am a debtor when there are no obligations on my behalf as Ive never initiated business with this company, or any of its clients. Its also misleading to state that Im subjected to the Declarations of Covenants without providing proof of signature that I allegedly accepted and agreed to the conditions thereof. Its also misleading for Dunlap Gardiner LLP to state that theyd be willing to discuss the concerns of this issue but have failed to address the concerns of both complaints : XXXX and XXXX. They stated that theyve sent a ledger, but its incomplete as it does not begin with the origination of this alleged account, when it was created, who created it, the instrument which created it, all entries from its existence, and the signed Legitimate Enforceability Agreement to confirm that there was a meeting of the minds and an agreement between myself and them. Dunlap Gardiner LLP did not provide this documentation because it does not exist. Lastly, the FDCPA protects consumers such as myself from companies using false and misleading tactics to attempt to collect a debt. its misleading for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to attempt to collect on an alleged debt by using another name by terms such as XXXX XXXX XXXX claiming to be a third-party collection agency to collect this alleged debt on their behalf when in fact, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is attempting to collect on its own debt. As seen in the attached exhibits, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are the same company as theyre both registered with the Secretary of the State of Georgia using the same address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX FL XXXX XXXX, USA .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are Unauthorized inquires and on Experian credit profile and I request that they are removed because of the serious harm being caused to my profile due to inaccurate credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a complaint to the CFPB ( complaint number XXXX ) on XX/XX/XXXXbecause TransUnion failed to respond to my dispute letter I sent them on XX/XX/XXXX. Yesterday, XX/XX/XXXX they respond to the complaint and said that they received the letter on XX/XX/XXXX and started an investigation into the disputed items and contacted the source to advise them of my dispute. On the response, they said that they completed the investigation and the disputed information was verified or updated accordingly, and on XX/XX/XXXXthe results were forwarded to my current mailing address on file but they were returned to them via the USPS. ( I attached a copy of the complaint response ) So, they said that they did received the dispute letter, they did investigate my disputed items but they send the results to a wrong address. TODAY, I received a letter from TransUnion ( I attached a copy of the letter as well ) saying that " they were unable to process my request ( the dispute letter they received XX/XX/XXXX ) because they were unable to determine the nature of my request or my request was illegible. SO, that means TransUnion lied to the CFPB because they responded on the complaint that they did complete the investigation and forward the results to a wrong address. Now they are telling me they didn't investigate. This is illegal and it has to be corrected ASAP.

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 2022-10-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
on XX/XX/2022 I have come to visit a bank facility of XXXX XXXX XXXX XXXX, PA XXXX to close all my accounts personal and corporate. 
Talking to the person at the desk, giving them my ID and transferring all my money from my business account to personal account. I have withdrawn all funds and I have been informed that all my accounts are closed. 
I am in the XXXX and do not plan to go back to the XXXX the person assured me that the accounts were closed and I can not worry about them. 
Unfortunately, in a few days the transaction for the company XXXX card has been processed and fees are still being charged. FOR CLOSED ACCOUNT!!! ' after closing the account, no transactions have any right to exist. 
I'm not gon na pay for anything. 
This is usually a scam. 
I started getting payment requests after my account was closed!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: NY
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:
Applications are been submitted in my name, my identity have been uses without my consent to fraudulently obtain goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Idaho Housing And Finance Association
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My home loan was paid in full XX/XX/23 and they are claiming a late payment on my report damaging my credit and my ability to purchase another home. Home was sold XX/XX/XXXX prior to any payment being late for XXXX. XX/XX/XXXX no longer my bill! Please remove this invalid report. 
Spoke to Homeloan serve and was told they would remove once disputed and they did not

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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: Was not notified of investigation status or results

Complaint:
This credit bureau is reporting an account that has never been able to give me any verification that this account belongs to me. I have had one XXXX account my entire life, it is still connected Ive never had the account fall into collection and everything is always paid. 

Equifax is lying. Saying my last payment date was XX/XX/2022. Complete lie. Why is the balance being updated XX/XX/2022? I dont have access to this account and it is closed. I need proof that this belongs to me!! I dont even know how to access this account. I called the company and they have me no where in their files. Equifax can not provide verification for this and is still falsely reporting it, which is hurting my score! 

THIS IS MY XXXX TIME DISPUTING AND EQUIFAX HAS NEVER BEEN ABLE TO PROVIDE VERIFICATION FOR THIS ACCOUNT. I AM LIABLE TO SUE FOR DAMAGES! 

EQUIFAX IS THE ONLY CREDIT BUREAU THAT IS REPORTING THIS INACCURATE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXXXXXX XXXX XXXX inquiry on XX/XX/2022 ; XXXXL inquiry XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX  inquiry on XX/XX/2022 ; XXXX XXXX XXXX on XX/XX/2022 XXXX XXXX XXXXXXXX XXXX inquiry on XX/XX/2022 ; XXXX inquiry on XX/XX/2022 and there is US DEPARTMENT OF EDU XXXX XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.

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 2023-06-09
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: Information belongs to someone else

Complaint:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please delete the following 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  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-09-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/21, the same day my grandmother died, there were two {$140.00}, one {$500.00}, and two {$80.00} ATM withdrawals taken out of my account. When this happened I received a phone call from a person pretending to be from Wells Fargo. The man told me my account was hacked, and wanted to sign me up for a new secure service through Wells Fargo, where at that exact time I gave him my information, the money was taken out of my account. Most of this money was apart of a federal grant from XXXX for my education. These withdrawals happened at XXXX XXXX XXXX  XXXX in XXXX XXXX CA at an ATM with the ID XXXX when I was at my home in Northern, CA, nearly 10 hours north. These withdrawals were fraudulent and I was scammed. I am a struggling XXXX  XXXX  and I expressed all of this to Wells Fargo, where I filed a claim about these fraudulent charges. At the same time I also filed a police report with the XXXX County Sheriffs department. Wells Fargo denied my claim, even though the sheriff department classified the case as fraudulent, because I authorized the charges on my phone. I did not know what was happening when I received the scam phone call, my grandmother died on that day, I have the death certificate, and I did not understand what I was authorizing. I also received {$410.00} in overdraft charges, which I had to pay, even though I did not make the transactions that caused the overdraft fee. Wells Fargo told me that I originally would not have to pay those, but in the end I did. I have been completely scammed out off nearly {$1300.00}, and that is a lot of money for a broke 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 monetary relief