BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: MI
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX Employer XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiry : XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Us Auto sales has went out of business. Sold my car loan to XXXX XXXX. They have started my loan over even though I made payments on the for over a year. I do not have a warranty on my car. And I was told that it was never a warranty on my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: EQUIFAX, INC.
State: MS
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:
These inquiries below are still being reported on my credit report as of today, despite receiving a confirmation letter from Equifax on XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021, confirming that you have deleted these inquiries from my credit file. This is very disappointing to say the least. 

The Following Inquiries are Fraudulent : XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX SENDING MY IDENTIFICATION AND SOCIAL SECURITY TO SUPPORT MY DISPUTE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. 

US DEPT ED : Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) : Account # XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) : Account # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : Account # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX T XXXX XXXX ) : Account # XXXX, US DEPT ED : Account # XXXX, XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX : Account # XXXX, DEPTEDXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX : Account # 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 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 2020-02-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I bought a custom t shirt from a business. On XX/XX/XXXX I also bought a XXXX wreath from this business. I reached out to the business in XXXX and they told me they were not able to start on the wreath. I told than it was fine if I received it a few days after. On XX/XX/XXXX I still had not received the wreath. I tried contacting the business for a refund. They ignored my messages via XXXX. So I decided to file a claim with wells Fargo. In XX/XX/XXXX I called Wells Fargo to see the status of my claim. I told them that the business ( XXXX XXXX XXXX ) had been harrasing me via email. They told me to block the business from contacting me and they were going to close this dispute and issue me a credit. I got a call on XX/XX/XXXX from Wells Fargo saying that they actually denied my claim. I never received these items and in total I paid {$200.00}. The claim I failed was only for {$100.00}. So not even the full amount I paid because I paid half of the wreath with my other bank account. Which I am now disputing with XXXX. I reported the XXXX XXXX XXXX business to the XXXX. I just want Wells Fargo to issue my refund

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 2023-10-04
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: IL
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'm really upset that they are appearing on my credit report and ask that you please erase this account since it is not mine. I would want the business to take this off my credit report so that I may begin a new chapter in my life, but I am unable to do so due to this unidentified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
R S clark and associate is attempting to collect a debt from me the first complaint i filed RS Clark stated that i didnt give 60 day notice i am uploading the notice the leasing office of the XXXX XXXX XXXX their client was given by me and the ledger from XXXX XXXX XXXX that the whole lease was paid in full the last part of the lease was money paid by TEXAS RENT RELIEF to XXXX XXXX XXXX that amt was over XXXX i have requested from TEXAS RENT RElief copy of the email that was sent to me that TRR paid the lease off and money was sent to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo truly could not care less about their customers or the success and satisfaction of their customers. 

My problem is twofold : I have a credit score over 750, 100 % perfect payment history, {$0.00} owed on my credit cards and they will NOT approve me for a loan. Not only that, but when you call and try to get answers, they dance around the issue, don't tell you why, don't offer solutions, don't call you back, and don't offer advice on how to change the situation. They don't only not care, they genuinely don't even try -- even for people who have made a point to be responsible and put themselves in a situation for success. 

2 ) I opened an account with them ( why, because I was " guaranteed '' the loan if I did ( another lie ). Now not only do I have a pointless second account, I can't access it any way shape or form : online access gives me a permanent error message or a message that says " this site is down '' I called 5+ times to get them to let me into my account -- they never fix it and always say it's fine and it's probably just a temperary outage. After months of trying, that is clearly not they case. NOT only that, but they also will not send paper statements or estatements, so really they just don't try, don't care, and will cheat their way into any business they can get. They disgust me. They have hurt my credit score. They won't let me into my account. And they won't address a single one of my questions or problems. 

With all the other issues coming to light, they should be shut down, for good. I will fight them tooth and nail until they make things right with me -- which if it were up to them, would be never.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-05
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:
XXXX continues to report a debt that is not mine. Due to this fact XXXX has stated that they will no longer attempt to collect on the alleged {$550.00} debt. However they have not removed it from my credit report. I never authorized this account. This is not my debt and in accordance with the FCRA this should not remain 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 2022-12-30
Company: Experian Information Solutions Inc.
State: OH
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. 

US DEPT ED : Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) : Account # XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) : Account # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) : Account # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX T XXXX XXXX ) : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX : Account # XXXX, DEPTEDXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX : Account # 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 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 explanation
Consumer complaint received 2023-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. i have filed a police report and a report with the company. This account was opened without my consent or knowledge. I have the right to be protected by consumer rights laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Received card - Terms were to make {$500.00} in purchases to get {$150.00} back - Also had balance transfer offer. Made purchases, used Wells Fargo App to ensure all transactions were posted to account. The app shows details like Transaction Date and Posting Date. I reviewed ALL transactions, and they ALL showed that they have been posted to the account a minimum of 24 hrs prior. So, I made payment in full, which posted a couple days later. I happened to look back at my app and it showed a new balance of {$140.00}. When I called Wells they told me that it was still part of my charges that were posting. I asked why they had all shown posted to my account via my app a full 24 hours prior, why would I still have outstanding transactions. The response was that even though they show posted to my account, it takes 1-3 days to HARD POST. Three separate levels of reps told me this. I asked if the words HARD POST were explained or even present in my Cardmember Agreement, they said it was. Upon a search it was revealed to in fact not be in my agreement and any language could not be found around hard posting times. 

This is a deceptive practice, I was presented with a total balance, and confirmation that all transactions had posted, I made payment in full. Then a couple days later, without any further use of my card, I have a new balance. All this activity was well before any statement date, so if I had not done due diligence in checking my account again, I would have interest billed that I was not expecting or planning for. 

When I asked if they thought that was clear to the Customer, I received a canned answer that it is my responsibility to review my statement each time. If I paid my account in full, with all transactions showing posted, and did not use my card further, all before any cycle date, why would i need to review my statement!? As you read this, I hope you can understand my position and why this is totally deceptive. 

I filed a formal complaint with Wells CASE ID # 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 2023-09-28
Company: Experian Information Solutions Inc.
State: IN
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-10-05
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 submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2023-02-13
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Experian Information Solutions Inc.
State: OH
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 a Auto loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Experian, XXXX and XXXX XXXX with no successful resolution. XXXX, Experian and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.

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