BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: TX
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ftc violations on all 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 2022-12-14
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a text from the bank saying someone was trying to commit fraud. I declined it was me and they said they would be in contact. I then received a call from the 1-800 number for the bank. I was notified that someone had hacked my account and I needed to close it and move the funds. I did so because fraud occurs regularly with Truist. Once I did what they told me, I didn't get a new account or my funds in the new account they mentioned. I called them back and they said they had no record of our conversation and that I willingly depleted my account. I have proof it was the bank and that I did not willingly do that. I opened a claim and they denied me immediately without any evidence. I have submitted several pieces of evidence and no one will look in to the matter. I also have a police report I filed. I am now out XXXX. I was treated very unfairly by every person I spoke with. One even shamed me for falling for a scam. If the bank didn't call me all the time about fraud, I would not have been a victim as easily as I was.

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 2021-03-27
Company: Westlake Services, LLC
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: Account information incorrect

Complaint:
I have sent numerous amounts of letters to this company to fix the problem but they refuse to do so and have ignored my request my only sending me a letter that was completely irrelevant to my request. I sent this company a letter requesting that they update the account being reported to my XXXX  credit report because it is reporting payments being made that have not been made after the account has been closed, how can you be reporting payments when the account is closed? You are keeping activity on the account by doing that, so I then disputed this account with XXXX  and they didnt change anything wither. Im lost as to what I should do now but currently the account is being reported inaccurately and should be removed from my credit report, that is my final request but they wont do that either

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Genesis FS Card Services, Inc.
State: NE
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 have attempted to contact this company multiple times for the last few months, which they stated they do not have the account and it was charged off. I have asked for more information and my options. This company continues to report a balance for this account even though they claim it was charged off. I even contacted the company they say they charged it off to which is XXXX, XXXX also has no knowledge of said account. At this point I have no way to locate this account, no way to request more information and no way to resolve this said issue. Its very frustrating for me because it contains to ruin my credit but I am not given the opportunity to request verification and/or settle. 


I have waited a whole year since my last complaint and I am still in the same the position nothing has changed I think this is more than enough time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XXXX I made a company check deposit to my small business account in the amount of XXXX  When I made the deposit I was not told there was a hold on my deposit, especially since the check is from a regular customer I make receive and make deposits for in my account. Since I was not told there was going to be a hold on the check and the funds would be available the next day. I made checks to my employees and made my other monthly payments. On Monday I my check was placed on hold for XXXX weeks. 
my payroll checks were returned and I am unable to pay my employees and caused me to be overdrawn by a large amount. 
I called several times and no one helped me at all. Even though the bank is still charging me over draft fees. I am unable to pay my employees or continue my business because they will not release my funds for XXXX weeks. I requested for them to verify funds with XXXX XXXX  and bank of America refused. 
I asked for some of the funds be released to at least cover my payroll and they refused. I was not given notification when the deposit was made that there would be a XXXX week hold on my check. 
Bank of America always places a hold on my deposits for XXXX weeks and at times has told me that it is because my account has been overdrawn but the reason my account is overdrawn is because the constantly placing a hold on my deposits. 
I have called bank of America several timeXXXX to request help I have walked in to my branch and requested help and they just tell me to call the 800 number and then when I do they tell me to walk in to the branch and ask the XXXX to help me out. 
I ask to speak to the department that verifies the checks and they tell me the they are the people who verify but they can not help me. 
I have begged and cried to please help me because my account is so overdrawn and my employees need their payment also. 
I let them know that my rent is due and they did not help me at all. 
I don't understand. They claimed to help small business and especially female owned small business and I feel like they purposely are setting me up to fail. I can not continue my business if I can not pay me employees Bank of America is unfair to small businesses and is causing them to fail because we do not have the thousands of dollars like the big business. 
They do not help out at or give you any options to help.

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 2019-07-26
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX, EXPERIAN ARE REPORTING INACCURATE PERSONAL INFORMATION ABOUT MY SELF. I HAVE SENT THEM CERTIFIED LETTER INCLUDING MY ADDRESS CORRECTED DOB AND WITH UTILITY BILL INCLUDED. THEY HAVE NOT YET RESPONDED TO MY REQUEST TO REMOVE ALL INACCURATE INFORMATION OFF MY CREDIT REPORT LIKE MISSPELLINGS IN MY NAME, MULTIPLE SSN VARIABLES. XXXX HAS MY DOB AS XX/XX/XXXX I WAS IN FACT BORN ON XX/XX/XXXX AS A RESULT THEIR ARE MULTIPLE ADDRESS AND EMPLOYMENT RECORDS STATED ON THE CREDIT REPORTS THAT IS SEVERLY HURTING MY CREDIT SCORE AND COMPLETELY DESROYING MY IDENTITY. 
ONLY INFORMATION THAT SHOULD BE ON MY REPORT SHOULD BE THE FOLLOWING. EVERY OTHER THAN WHAT IS TYPE AND PUT INT0 THIS SECTION SHOULD BE APPEARING ON MY CREDIT REPORT. 

1. My Name : This is my legal name : [ XXXX ] [ XXXX ] Please delete any other references to names as they are not mine and I have never used any of them. 

2. My Address : Also, please be sure that my address is listed correctly. My address should read : [ XXXX XXXX XXXX  XXXX ] [ XXXX XXXX, New Jersey XXXX ] Please delete any other references to ADDRESSES as they are not mine and I have never used any of them. 
3. My Date of Birth : [ XX/XX/XXXX ] AS STATED ON COPY OF DRIVERS LICENSE ENCLOSED WITH LETTER. Please delete any other references to my DATE OF BIRTH as they are not mine and I have never used any of them. 
4. MY EMPLOYMEN HISTORY : [ I HAVE NO EMPLOYMENT HISTORY ] Please delete any other references to EMPLOYMENT as they are not mine and I have never used any of them 5. SSN VARIATION [ XXXX ] Please delete any other references to my SSN as they are not mine and I have never used any of them 6. PHONE NUMBERS- [ XXXX ] Please delete any other references to PHONE NUMBERS as they are not mine and I have never used any of them 7. EMAIL- [ NONE ] Please delete any other references to EMAILS as they are not mine and I have never used any of them. 
Please send me a new report when you are completed so I may continue to verify its ' accuracy.

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 2022-12-27
Company: WELLS FARGO & COMPANY
State: FL
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:
According to the FCRA section 62.3 this company is reporting inaccurate information and it is illegal. This account has caused damage to my credit report and to my life and i want this account to be removed as soon as possible.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose this account is current and i have never made a late payment

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 2019-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Tried to dispute fraudulent inquiries on my file with XXXX  & Transunion wrote letters several times even tried calling the dispute department for both XXXX  and Transunion, even claiming the inquiries are fraudulent they still both denied me to dispute them, both bureaus told to call each collectors, the collectors doesnt have contact information on most of the items, and even stated my FCRA rights to the bureaus they both just put me ON HOLD FOR SO LONG TILL I Decided to hang up.

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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  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 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 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 2022-04-29
Company: Experian Information Solutions Inc.
State: SC
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:
Experian In accordance with the Fair Credit Reporting Act XXXX 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.SC. 1681 Section 604 A Section 2 : it also site 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 2023-11-13
Company: Experian Information Solutions Inc.
State: IL
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 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 items as soon as possible! 
Fraudulent/Negative Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries 15 U.S code 1681n Infamis of pulls

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 2019-05-02
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We moved to Arizona and was not made aware of debt from XXXX XXXX. I am trying to refinance my mortgage and just found the collection on my credit report which I promptly paid. I work all day and am unable to call the company to get debt removed myself. When my wife called they refused to help her get the debt removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received notification from Transunion that my credit score dropped. I immediately went to check my score. I saw a mark against me from XXXX  XXXX XXXX For {$61.00}, I was Immediately alarmed. I have never had a XXXX  XXXX XXXX account, checking or savings, let alone credit. I have never applied for a XXXX  XXXX XXXX credit card. I never had to I am an XXXX XXXX card member. I called XXXX  XXXX XXXX immediately and was told there was a credit card opened in XXXX of XXXX, and the annual fee was delinquent as of XX/XX/XXXX, I told the representative that I never opened this account, had no knowledge of it until I received Transunions email and am extremely alarmed. The rep immediately closed the account after asking me a series of questions and told me, the credit bureaus would have to contact them to confirm the account was fraudulent. I did as instructed and filed proper disputes. Today I got a notification from Transunion stating the account is accurate. I am Not sure where the disconnect is but it needs to be rectified immediately. I have worked extremely too hard my entire adult life to have amazing credit for it to be jeopardized for a {$61.00} annual fee for a card I did not open.

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 2021-06-15
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: NC
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:
This is XXXX XXXX with a dispute for consumer reporting agencies- XXXX, XXXX XXXX Experian. All 3 CRA 's are reporting inaccurate information- ( old addresses & old employers ) onto my credit report which is a violation of 15 USC 1681e ( b ).

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 2022-04-29
Company: Experian Information Solutions Inc.
State: MI
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:
15 uSC 168 ( a ) ( 4 ) there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of ( 1 ). XXXX XXXX ( 2 ). XXXX XXXX XXXX # XXXX XXXX XXXX Michigan XXXX. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses and please update with the one above. 
I do not want my phone number included on my consumer report! Please delete any and all phone numbers! I demand my social security number and date of birth to be removed from being displayed on the credit file for privacy reasons. 
Please delete all information in the employers section. Pursuant to the Fair Credit Reporting Act 15 USC 168 ( a ) ( c ), I am a federally protected consumer and I have a right to privacy, not granting my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : XXXX XXXX XX/XX/1977 Last 4 of SS # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Michigan 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