BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX submitting yet another CFPB complaint today regading the Credit Reporting Agencies. I am appalled by the lack of responsibility on the Credi Bureaus ' behalf. When will the Credit Bureaus going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please correct the following accounts : XXXX XXXX XXXX XXXX, MO XXXX- Please remove this inaccurate and outdated address as soon as possible. 
XXXX XXXX XXXX XXXX, MO XXXX- This is not my home address neither did I ever currently received mail to this address. Please verify and remove immediately. 
XXXX XXXX Balance : {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account USDOE/XXXX XXXX Balance : {$0.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 
USDOE/XXXX XXXX Balance : {$0.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 
XXXX XXXX Balance : {$0.00} - This account is not charged to me. My record shows that this account was paid as agreed and Balance is XXXX. Please delete this account immediately.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Re : Inquires on my XXXX I have reached out to all creditors and XXXX to ask theses unrecognized inquiries removed immediately, but no luck. 

The FCRA states that the only permissible purpose for pulling someones credit report is : Firm offer of credit. 
XXXX XXXX court order. 
Employment I recently pulled a copy of my credit report and noticed inquiries that I did not authorize and do not Fit A, B, C, or D above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report, as they WERE NOT AUTHORIZED!!!!!!!! 





Re : Transunion Inquiries on my credit report I have reached out to all creditors and Transunion to ask theses unrecognized inquiries removed immediately, but no luck. 

The FCRA states that the only permissible purpose for pulling someones credit report is : Firm offer of credit. 
XXXX XXXX court order. 
Employment I recently pulled a copy of my credit report and noticed inquiries that I did not authorize and do not Fit A, B, C, or D above. 

See Attachment

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 2022-12-15
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:
I am so perplexed and doubtful about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints three times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX CARD 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 2016-09-25
Company: WELLS FARGO & COMPANY
State: DE
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
this account was result of fraud and i never authorized this account and has been disputed numerous times with wells fargo to remove this account from my credit bureau ref Dillards account number 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 2023-02-26
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:
XXXX XXXX XXXX, I have never dealt with XXXX I explained to them that my identity had been stolen and they did not understand I filed a claim with all 3 credit bureaus and they did not remove the account XXXX XXXX XXXX l XXXX, Also the same thing with this account, I filed a claim in all 3 credit bureaus and it appears again and I have never had any business with them nor have I bought any product with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent a letter out stating that the debt that their trying to collect is not mines. This company has emailed me today on XX/XX/2022 trying to collect an debt that has been agreed to closed. All three of my credit bureaus have removed the fraudulent debt. I have proof of harassment in my email and fraud account HUNTER WARFIELD CREATED WITHOUT MY PERMISSION. I have proof of identity theft and {$1000.00} per violation due to hurting credit score and fraudulent activities as far as sharing my information to another agency. Wrongfully putting an fake signature that isn't mines on a lease that XXXX XXXX XXXX did not agreed to. The amount was {$6300.00} to {$6400.00}. No one called me or said anything about this debt which is illegal because I didn't agree to pay. I've requested who was the original creditor, original contract and no response. I've gave them more than 30days to respond and no response. Failure to respond, failure to validate the debt. U.S.C. 15. Improperly reported a debt to a credit reporting company without meeting their obligations under the FDCPA act. I've also seen on one of the documents I've sent, you can see where they force my signature on a lease which is illegal. I've never signed a lease or read one or ever agreed to one.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX XXXX, 2015 my husband and I traded in our vehicle which still had a loan with Wells Fargo but had equity and used it as a down payment on a new vehicle. We traded it into the dealership XXXX XXXX in XXXX XXXX, CA. Two months later we bang receiving collection calls from Wells Fargo stating that we were behind XXXX payments. I informed them that we had traded the vehicle in and they stated that it had not yet been paid and was now being reported as delinquent to our credit. We kept trying to get in contact with the dealership but all they would say is that we were no longer liable and they would look into payment. On XXXX XXXX, 2015 Wells Fargo received a payment from XXXX XXXX for all but {$83.00} of the balance of our trade in. When we contacted the dealership about this they said that the lady that handles the pay offs will be out of town for XXXX weeks. In the meantime, we continue to receive numerous collection calls and our credit is still suffering because of it. Neither Wells Fargo or XXXX XXXX will help us with getting this resolved and expect us to pay this amount to stop the collection calls. While it is a small amount, it is unfair to force us to pay the penalty because of XXXX XXXX mistake. It is also not right that our credit is now showing delinquency because XXXX XXXX did not take care of their responsibility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Prince Parker & Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am disputing the incorrect information listed as collections that is being reported on my XXXX report. This has been paid and closed. Nothing is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-10-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate these accounts because they are reported wrong and they are not mine. You should corroborate your information and remove these accounts. Can you please let me know how you verified this information? Now if it was just a clerical error ( which does happen all the time ) then this is your chance to fix that error. DELETE the accounts below : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XX/XX/2018 Asset Amount : {$0.00}

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 2023-06-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2020-09-14
Company: Shellpoint Partners, LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have on several occasions over the last few weeks to get this resolved. 

The issue lies with Shellpoint and XXXX XXXX XXXX. Somehow during the process of XXXX XXXX selling the loan to Shellpoint a entry was made that we were 60 days late on a payment. I have verified with XXXX XXXX bank as well as Shellpoint that we have NEVER missed a payment and was NEVER late on a payment. It is clear on my credit report that Shell Point is carrying the error and I would like this corrected and rectified  ASAP! I have documentation to prove this I Have documents to include 3 statements from Shellpoint ( I was only with Shell Point for 3 months before you sold our loan ) All three statements show payment made on-time. In fact I was doing Bi-Weekly Auto withdrawal Payments approved by Shellpoint adding an additional payment during our time with Shellpoint. 

Currently I am in the process of refinancing my home and moving to a local bank and this error is prohibiting me from moving forward with this process. Clearly based on statements provided and back-up there is NO reason for this and NO reason I should have to go to these lengths to fix a error on your side.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate these accounts because they are reported wrong and they are not mine. You should corroborate your information and remove these accounts. Can you please let me know how you verified this information? Now if it was just a clerical error ( which does happen all the time ) then this is your chance to fix that error. DELETE the accounts below : XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX  XXXX Bankruptcy Reference # : XXXX XX/XX/2018 Asset Amount : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: IA
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 three credit bureaus below has violated my rights. 

XXXX XXXX Experian This is how my information should appear on my credit reports. 

Name : XXXX XXXX XXXX Date of Birth : XX/XX/1982 Social Security number : XXXX Address : XXXX XXXX XXXX XXXX XXXX , IA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX Balance Owed : {$1300.00}

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 2020-01-07
Company: Westlake Services, LLC
State: PA
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:
On XX/XX/2020 I received a notification that my credit score dropped 65 points because my account is closed. My account is very well open and in good status. This is the second time Westlake financial has reported the wrong information which is affecting my credit. I called and explained to them that I'm in the process of buying a house and they keep messing my score up witch will mess me up for getting my loan for my house. They have yet to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: LAKE MICHIGAN CREDIT UNION
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My bank has reported my correct address to XXXX multiple times and XXXX has the wrong address associated with all of my XXXX Michigan banking information on my credit report and XXXX  XXXX  section.

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