BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: EQUIFAX, 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:
I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, 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:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Bull City Financial Solutions, Inc
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: Information belongs to someone else

Complaint:
I've tried to contact the companies and agencies since XXXX. No one seems to be interested in helping me. This situation has put a very negative burden on my life as well as effected me mentally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Experian Information Solutions Inc.
State: WA
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  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$3400.00} on XXXX XXXX XXXX/XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently and does not belong to me. I have filed a formal complaint with Identity Theft.gov as well. Please see confirmation page with reference number XXXX attached. I did not now, nor have I in the past had an account with XXXX XXXX XXXX/XXXX   XXXX. I did not sign nor did I give permission for this account to be opened. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2023-10-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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:
I have recently checked my credit report and seen inquiries I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: AL
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:
There is incorrect information listed 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 non-monetary relief
Consumer complaint received 2023-08-21
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I had a small ( {$120.00} ) collection account from XXXX XXXX that was sold to XXXX XXXX Services. Although I have a contract showing I don't owe this money I settled with XXXX on XX/XX/21 because I'm trying to refi my home. This one disputed item has slashed my otherwise flawless credit history from XXXX to XXXX, making it impossible to obtain any kind of credit. This is clearly disproportionate to the amount in question, especially since XXXX XXXX never attempted to settle the debt since the first time they told me they were no longer going to honor my service contract. 

I've confirmed that XXXX first reported the account paid, closed, and remove status on XX/XX/21 and again on XX/XX/21. TransUnion and XXXX are allegedly " investigating '' my dispute on the matter. Despite four calls to XXXX  between XX/XX/21 and XX/XX/21 to request an expedited recheck on the account XXXX has done nothing and is still reporting it open and unpaid to XXXX XXXX and XXXX XXXX. TransUnion has updated the account but incorrectly shows an open balance of {$57.00}. 

Please contact these two companies and urge them to update my file immediately. 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 2023-08-04
Company: EQUIFAX, INC.
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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: ERC
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:
I AM NOT AWARE ABOUT THIS COMPANY HOWEVER I AM CHECKING MY CREDIT REPORT AND HOWEVER THIS ACCOUNT HAS PUT A HUGE INDENT IN MY NAME. I AM ASKING THAT IT BE INVESTIGATED AND REMOVE. I HAVE NOT SIGNED UP OR GAVE ANYONE MY SOCIAL TO UTILIZE FOR ANYTHING. 
I HAVE NEVER LIVED AT THE ADDRESS ASSOCIATED TO THIS CREDIT CARD NOR HAVE I OPENED AN ACCOUNT THIS BANK. I AM ASKING FOR HELP FROM BOTH PARTIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: CBC Companies, Inc.
State: IA
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:
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXXXXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my file has been compromised. Again, I was going through my records & noticed the items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these accounts : 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 non-monetary relief
Consumer complaint received 2023-03-29
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX there were two unauthorized withdrawals. One from XXXX XXXX for {$200.00}, and another from XXXX  XXXX XXXX for {$120.00}. These transactions happened while I was at work and my debit card was in my possession. I don't know how my money can be taken out of an ATM with out my debit card. I disputed this twice and both times I was denied. I was using the credit karma checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: WELLS FARGO & COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was messing around with the app! I have the WORST POSSIBLE credit! I applied for XXXX of the cards! I got approved for a minimal amount. I do not want it!!! It will mess me up with social security!! I called within minutes of approval, and spoke with XXXX, with credit card department, and was told that I can't cancel it!! This is total XXXX!! It's going to really really mess me up with social security!! The amount would never ever help me out anyway!! Please please please help me out and I need a statement saying that I cancelled it,!! OMG SERIOUSLY please please help me out!!

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 2019-09-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
United Services Automobile Association ( USAA ) routinely reports information that should not be included in the XXXX XXXX XXXX XXXX ( XXXX ) report ( XXXX ) and the XXXX XXXX XXXX XXXX ( XXXX ) report ( XXXX ). Insurance is usually regulated by each state and I am a resident of the State of Texas where the statute specifically states : " Sec. 563.002. REPORTING TO CLAIMS DATABASE. An insurer or an insurer 's agent may not report to a claims database information regarding an inquiry by an insured regarding coverage provided under a personal automobile insurance policy or a residential property insurance policy unless and until the insured files a claim under the policy. '' I've requested copies of my reports from both companies and there are numerous entries where I made a routine inquiry about my policy, reported a non-damage incident ( not at fault ), and found a duplicate entry. I've contacted USAA to inquire about the report and request it be updated to reflect accurate information. Their representative did not know how to do that but did provide a detailed description of the entries I am disputing ( attached ).

I assert USAA is deliberately doing this to manage the different risk pools within their operating companies. Originally, USAA served military officers and the associated risk of that member population was relatively low. Over the years, USAA now allows membership based on military service and family relationships. Their risk level has risen to a level equal to other insurers. I have gotten several insurance quotes from other companies and they have consistently been above my current premium in the amount of {$1500.00} - {$2000.00} a year. This seems very high considering the number of actual claims I've had over the years. Other USAA members who are placed in a higher risk category and underwritten by a different operating company routinely report their premiums are being raised arbitrarily and they have gotten the same coverage elsewhere at a lower premium. 

My assertion is that USAA deliberately places ALL information on the claims reports in order to keep low-risk members ( who won't be able to find a better premium elsewhere ) and force high-risk members away ( USAA raises their rates, but they find lower premiums elsewhere ). 

I have detailed information for each claim I am disputing that I can provide.

Although this may not be a usual complaint regarding financial products, it is a " Consumer Report '' covered under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On Approximately XX/XX/2023, I contacted LexisNexis aka XXXX XXXX and requested a copy of my consumer report and to place a security freeze on the account. On or about XX/XX/XXXX, I received confirmation of the freeze, but not the consumer report so I called to inquire about the report and was told it wasn't requested so I would have to do so in writing. So again I submitted the request also with verification documentation. Approximately XX/XX/XXXX, I received a link and password to the report which didn't work. 

On XX/XX/XXXX, I called to get support with accessing the report and also stated that I would like to dispute some items on the report. XXXX told me there was already a dispute and I replied, how is that possible when I haven't even seen the report so I would like to start a dispute now, she hung up on me. 

I called back and got XXXX, agent # XXXX from the XXXX who refused to take the information I wanted to dispute. I reminded him that I have a right under the FCRA to dispute any data they collect and that I never authorized or consented to them sharing any information about me, especially unverified public information. 

After several minutes of refusing to take my dispute, I advised him I was recording the call and would report them to CFPB and the Attorney General 's office or whoever I could report the too for violating my rights. 
XXXX finally began taking the dispute, but when I got to the section regarding the bankruptcy, he flat out refused to place the dispute. He insisted that it had already been verified and he would not put it in the report. I then asked for the method of verification. What clerk had they spoken with, what was the phone number and in which court. I then reminded him again that I was recording the call. I advised him that Indiana XXXX XXXX would not verify any such information and he could find that on their website, so unless he could show proof, I want all of the items I requested to be deleted. Finally he began the report and gave me a reference number. Then I noticed that their other company XXXX also had a report, and I asked to dispute it as well. They had a XXXX page report spanning over 30 years with people and places I either didn't know or addresses I never lived. I don't believe he actually submitted the dispute and that is why I am submitting this complaint..

Company response to consumer: Closed with explanation