BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
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 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 this account ( A ). It is not permissible to fail to validate this reporting account 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 : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Account/Product Type : Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXXCountry : United StatesEmail Address : XXXXPhone Number : XXXXInstitution Information : Complaint At 1st loan consultant XXXX XXXX NMLSR ID XXXX says all looks fine by 1st week of XXXX and said lets proceed with the applications, after he checks the DTI he runs my credit. since iam very sensitive about my credit, i always have the consultant make sure that number works and them allow to have my credit pulled. so beginning of XXXX before covid-19 hit newjersey, the application process was started. after multiple follow up, XXXX calls me end XXXX and says all the XXXX about market and says wellsfargo has stopped looking into the applications because of what going COVID-19 situation. which i think is totally unjustified when the applicant has good score/ good income / good rental income/ good equity in the collateral then Ms XXXX XXXX , NMLSR XXXX calls me another day and gives me XXXX about very less equity in the collateral without even doing an appraisal. then i get a call from executive office telling me that wells Fargo has guild lines that when some one owns more than x number of properties will not be considered, he even tells me that the consultant is not suppose to let the client know about the guild lines and do not discourage the client from applying this was the worst answer i ever got from any lender in my past 15 years of working with loans wells fargo again is misleading clients and this practice of not letting the client know about the guild-lines is not acceptable

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 2020-07-27
Company: EQUIFAX, INC.
State: PR
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : CALL XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the credit agency didn't make sure was reporting 100 % correct. 

In accordance with the fair reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate The credit reporting agency stated that these accounts were properly investigated and came back as verified, however is this true when there are several inaccuracy showing on my report? 

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) method of verification description of reinvestigation procedure

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 2023-03-09
Company: EQUIFAX, INC.
State: LA
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
15 usc 1692 ( b ) account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violated this law and needs to be removed ASAP. 

15 usc 1681 ( B ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violates this law and needs to be removed ASAP. 

Credit reporting agency should not have the right to knowingly and willingly violate the law on any consumer report

Company response to consumer: In progress
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX The above account does not belong to me I am a victim of identity thief Under 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances 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 federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI

Company response to consumer: In progress
Consumer complaint received 2023-12-11
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 SENT DOCUMENTATION TO THIS COMPANY THAT THIS ACCOUNT IS FRAUDULENT AND MUST BE REMOVED! THE COMPANY HAVE REFUSED TO ACT ON THIS MATTER. I KNOW MY RIGHTS AS A CONSUMER. IN REFERENCE TO 15 USC 1681C-2A AND 15 USC 1681B

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 2021-03-04
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021, one of my creditors, Comenity BankXXXX, submitted an unauthorized payment in the amount of {$33.00} to my bank, XXXX XXXX XXXX XXXX XXXX ( XXXX ). I never authorized Comentiy BankXXXX to submit that payment on my behalf. I did not have that amount of money in my XXXX  checking account when the payment was submitted, thus XXXX levied a {$30.00} Return Item Fee - ACH on my account, which rendered me with a negative checking account balance. 

So, on the evening of XX/XX/2021, I called Comenity BankXXXX to inquire about the unauthorized payment. After being transferred amongst representatives, and being placed on extended holds, their best option was to remove my online Comenity Bank/XXXX account, then recreate it. They suggested that my account may have been breached by a family member, or that an authorized account user submitted that payment. I do not have any authorized users on my Comenity Bank/XXXX account, and none of my family members has access to my online account or bank information. 

Additionally, I tried unsuccessfully to login to my Comenity Bank/XXXX account on Friday, XX/XX/2021, and then again on Wednesday, XX/XX/2021, but I was locked out. My username and password combinations did not work. I tried to use their automated system to reset my password, but it did not recognize my username. Interestingly, my username was valid because one of the Comenity Bank/XXXX representatives stated to me that it was correct. Consequently, I was never able to log into my account again to see when and where the payments were being setup. 

Then, the Comenity Bank/XXXX representatives suggested to me that I was enrolled in their Hardship Program because I was late on my payments. I do not recall enrolling into their Hardship Program, and I definitely did not schedule an automatic payment for XX/XX/XXXX. 

Today, XX/XX/2021, I received another {$30.00} Return Item Fee - ACH from XXXX, because another Comenity BankXXXX payment was attempted. This action has pushed my checking account further negative. In addition, I do not recall any past attempts to collect funds during consecutive days - there normally exists a several days gap before payments are attempted to be deducted from my bank account. 

Ultimately, I want to recoup any all fees and/or fines that may be levied against Comenity Bank/XXXX and XXXX XXXX XXXX XXXX XXXX I will be submitting a separate complaint against XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I recently checked my credit report and noticed unauthorized accounts on my 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 non-monetary relief
Consumer complaint received 2022-10-21
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:
I recently pulled my reports and noticed you are reporting the incorrect ( high credit ) and the incorrect ( credit limit ) the ( incorrect date open ) the incorrect ( last reported ) the incorrect ( date last active ) the incorrect ( date of last payment ) for this account ( XXXX XXXXr XXXX ). Because these inaccuracies are being reported by your company and XXXX and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 

Attached is on updated report showing the inaccuracies Thank you

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 2020-04-09
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit 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:
We furnished a house from Ashleys on the XXXX of XX/XX/2019, a living room, dining room, and 2 bedroom sets. When we started receiving the stuff everything that was delivered was defective and damaged, the drivers would note the damage and we would contact customer service to discuss the issue, when they redelivered the furnisher it was always damaged, they gave us damaged furniture up to 4 times. We tried contacting customer service a second time, they arranged a second delivery to replace the damaged items, they gave us more defective and damaged furniture for our living room and bedrooms. We tried to contact the managers to solve the problem, but its a corporate store with the same managers, for some reason they were not willing to work with us, we bought brand new furniture but they treated it like it was used by sending people over to fix it. Everything except the bedrooms was delivered damaged, we called the manager again 3 days after we received the stuff to return it, it states on the TOS that you can return items up to 7 days after the delivery, they ignored the request. After this we contacted the credit card company, which is affiliated with Ashleys and we attempted to dispute the charges. It took Synchrony Bank 60 days to respond, the dispute came back declined even after we told them theyre furniture is in the garage unused and ready to be picked up. 
synchrony bank P.O. Box XXXX Florida 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 2023-02-21
Company: EQUIFAX, INC.
State: AR
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 Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Child Support SER Account # : XXXX XXXX Bank ( XX/XX/2020 ) Account # : XXXX XXXX Bank ( XX/XX/2020 ) Account # : XXXX XXXX Bank ( XX/XX/2020 ) Account # : XXXX XXXX XXXX Bank XXXX Account # : XXXX XXXX XXXX A Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Tennessee Dept. of H Account # : XXXX US Department of ED Account # : XXXX has violated my rights as follows 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 which I have NOT provided. 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 2022-12-30
Company: EQUIFAX, INC.
State: AZ
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 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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: Account information incorrect

Complaint:
15 U.S.C. 1681-1681 The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

This law has been broken and violated and the inaccurate information from XXXX XXXXXXXX XXXX XXXX account # ending in XXXX and XXXX account # ending in XXXX have yet to be properly invested, updated nor deleted. 
All of 2022 certified mail has been sent to this XXXX XXXX company and they signed for it but can never find it or furnish it upon any of my requests as a consumer. 
Id like all information of payments be updated and corrected on these two accounts across all 3 credit reporting companies, XXXX, XXXX, and TransUnion ....

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 2018-04-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This originated from Walmart. I tried calling to get verification from Walmart which they have closed the account and XXXX XXXX is the collection agency. I have never received any mail from XXXX I have just seen it show up on my credit report. I am recently divorced and the debt was awarded to my ex husband in the divorce. I do know the debt with Walmart was not {$2800.00} which XXXX states. when I called to give divorce paper work the guy told me they are suing me but yet ive never had any mail or anything about paying them at all. Even when calling Walmart I was told not to worry about it and to disregard. I do know they can not charge more for a debt than the original debt was its illegal.

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 2022-10-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX is reporting inaccurate data to Experian : XXXX negative date is XX/XX/2016 according to their data, XXXX XXXX is reporting to Experian XX/XX/2016 as XXXX negative date. 

XXXX  stated a XXXX amount due, XXXXXXXX XXXX is reporting to Experian a balance of {$45000.00}. 



XXXXXXXX XXXX  is required to report all accounts to the credit bureaus fairly and accurately per the Fair Credit Reporting Act. Unfortunately, unless the credit mark is verified to be a result of bank error, courtesy removal requests do not align with the fair credit reporting rules and regulations. 

THIS IS A HUGE ERROR, THIS DOES ALIGN WITH THE FAIR CREDIT REPORTING RULES

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 2022-12-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXXXXXX there is an inquiry for a credit which I did not authorize on Equifax, XXXX and XXXX XX/XX/XXXX there is a inquiry from XXXX that I did not authorize on Equifax.

Company response to consumer: Closed with explanation