BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: NM
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:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-31
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Predatory lending violation via telemarketing by 2 XXXX XXXX Wells Fargo telemarketers to an elderly couple violating CT state predatory lending laws to the elderlyand especially to an XXXX & XXXXyr old couple with XXXX and XXXX. The elderly couple were enticed into a 30yr refi via landline by 2 telemarketers from another state. No mortgage protection insurance was offered, no attorney was available to protect the borrowers. There was no understanding by the elderly couple of what was transpiring. Undo pressure was placed upon them by the telemarketers. The fraudulent telemarketers knew there was no way an XXXX & XXXX yr old couple could live for 30 years or survive to repay a loan on one income should and when one of them died. The telemarketers were only interested in their commissions & not one humane thought was given to the elderly couple. Telemarketers knew couples inability to repay the loan would render the survivor homeless or into foreclosure. Couple has since passed away & as their daughter, I was quit claimed their home. Upon learning of the loan 's fraudulent inception, I began asking Wells Fargo questions for over a one year period that they are unwilling to answer. I have stopped making payments as I will not pay for a criminal act. They have my phone # yet, say they are unable to contact me? Untrue! Contact @ Wells Fargo : 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 2023-07-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have made multiple attempts with the Fraudulent Company as well as the Credit Agency to REMOVE INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I am awaiting an Answer to the 3rd Request from the Credit Agency regarding a specific account. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Specifically OFFICE ATTY GENERAL XXXX EXPERIAN REPORTS LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT AS XX/XX/XXXX XXXX REPORTS LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT XX/XX/XXXX EXPERIAN XXXX AND XXXX STILL HAVE NOT DELETED THIS FRAUDULENT ACCOUNT AND ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. 
They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy.

15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION!

15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms 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 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

I HAVE DISPUTED THE FACTS MANY TIMES AS EVIDENCED BY THE INCONSISTENT NOTES THERE IN ON THE ACCOUNT.

EXPERIAN AND XXXX  still report the INACCURATE INFORMATION. As well as they violate the entire PRIVACY ACT OF 1974 AS per XX/XX/XXXX Consumer Reports still show this account with Updated Misinformation! STILL DOES NOT MATCH AND IS TO BE DELETED.

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: 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:
In accordance wit The Fair Credit Reporting act. The LISt oT accounts below nas violated my Tederally protected consumer Tignts TO privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

The following inquiries were opened under my social security number fraudulently.

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 2021-07-23
Company: ACIMA CREDIT, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: NY
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2020-05-23
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: Account information incorrect

Complaint:
Following passage of the CARES ACT my Federal Student loans were placed into forbearance. Prior to the forbearance my loans were completely up to date with no late or missing payments ever reflected on my credit reports ( Including Equifax ). After my loans were placed into forbearance Equifax proceeded to DROP MY CREDIT SCORE BY 55 POINTS! The purpose of the Act is to provide mandatory forbearance without it reflecting a late payment or non payment or impact a credit score. 

I contacted Equifax and started a dispute. Equifax closed the dispute by reflecting that my loans were in forbearance as a result of a natural disaster however they have not corrected their improper drop of my credit score. Equifax is the only credit agency that has lowered my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
The XXXX XXXX XXXX XXXX ( credit bureaus Equifax, XXXX, XXXX, and XXXX ) doing business as XXXX XXXX XXXX XXXX requires individuals to pay postage to opt out of the database shared with XXXX marketers of prescreened or " preapproved '' offers of credit. Though the charge of postage is small, it is multiplied by the number of individuals in a household and in the 21st century, it is less and less likely that individuals will have postage stamps on hand. This is an unnecessary obstacle for a feedback mechanism mandated by federal law under the Fair Credit Reporting Act ( FCRA ). 

The industry website itself undercuts the alleged importance of this mail step, putting the apparent justification in quotes : " you must 'confirm ' your request in writing by submitting a signed XXXX XXXX XXXX form '' XXXX XXXX XXXX It's not literally confirming, just a process that, for purely legal reasons, must be considered confirmation-flavored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
To Whom It May Concern : Re : Non-compliance with Rule 1002. Requirement of the Original Upon reviewing my consumer report, I discovered Transunion, LLC and several creditors are violating several laws. According to rule 1002, you must provide an original writing, recording or photograph which is required in order to prove its content, unless these rules or federal statute provides otherwise. I've contacted the companies requesting documentation of my alleged consent and to date, the companies listed below have failed to provide me with the requested written authorization of the alleged initiated inquiries. The listed institutions mentioned below are willfully violating my rights as a federally protected consumer ; rights that have been established by Congress. Considering I have not received any information from these companies, I have to assume the inquiries are unverified and therefore should be deleted according to 15 U.S. code 1681i.

Pursuant to 15 U.S. Code 1681i, treatment of inaccurate or unverifiable information, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I look forward to receiving an updated copy of my credit report reflecting the deletion of ALL NON-ACCOUNT HOLDING INQUIRES. 
Thank you in advance.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As I was going over my credit report I have noticed that there are a few accounts that I do not RECOGNIZE

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 2023-07-27
Company: Experian Information Solutions Inc.
State: OH
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:
I request that you eliminate the erroneous late payment from my account.

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 2023-02-06
Company: ROBINHOOD MARKETS INC.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have tried getting help for 4 days continuously being told to wait because there is nothing that can be done. I have confirmation of receipt from my bank that Robinhood.com received my money. They know I am on the side of the road, have not eaten in 4 days, and have no heat. Still, they refuse to allow me access to the funds and refuse to return funds to my bank. 
They repeatedly state to wait until XXXX. Despite me starving and freezing to death. Unethical doesn't begin to cover this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-12-10
Company: EQUIFAX, INC.
State: FL
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:
For almost two. months I having been requesting XXXX and Equifax delete an inaccurate information on my credit report. I never lived nor had any association with that address. I am being told it can't be deleted because it was reported and verified by XXXX XXXX. That information is inaccurate since I never live nor provided that address to XXXX XXXX. I believed XXXX XXXX found someone with the same name and is using that address. 

XXXX XXXX is sending emails and letters to my update my address, because the mails are not being delivered. Of course not because I don't live and never did live there, why would I update my address to where I never lived. But yet, The credits Bureaus are claiming the information as been verified and is correct. The same way the credit bureaus are asking me to provide documentation, why don't they ask the creditors like XXXX XXXX to provide documentation for information prior to putting the INACCURATE information a consumers report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, the consumer recieved via certified XXXX postage of the consumer requesting for Transunion to investigate the " validation '' of the debt of XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX and XXXX XXXX XXXX XXXX. Transunion report file of the consumer does not have any contact information ( address and telephone number ) of both the original creditor or the debt collection agencies in which the consumer recieved any written notice of a debt the consumer owed such collection agencies in compliance to 15 U.S. Code 1692g ( a ) ( 1 ) - ( 5 ) .Transunion was requested to foward the consumer letters ( NOTICES ) from the debt collection agencies complied with 15 U.S. Code 1692g ( a ) ( 1 ) - ( 5 ) to validate the debt. Transunion was given 30 days to investigate into having the debt collection agencies provide such Notices and was requested upon failing to validate the debt, to remove such accounts from the consumers credit report. Transunion did not correspond back before the consumer within the 30 day timeframe and did not provide the appropriate data in which a dispute can be made to validate the debt in action to show that the debt collection agencies provided within the consumers file report did not comply with 15 U.S. Code 1692g ( a ) ( 1 ) - ( XXXX ) and no validation of the debt exists.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-12-17
Company: Experian Information Solutions Inc.
State: CT
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 XXXX I sent a letter to the major credit bureaus disputing the information contained on my reports as most, if not all, of the reported information was inaccurate. By right they are supposed to correct or delete the information, none of which was done. After the conclusion of the dispute ( XX/XX/2021 ), all of the accounts disputed still report the same erroneous information, not to mention the fact that particularly one of the accounts shouldn't even be showing on my report. This is according to information reported from the original creditor, whom I contacted on XX/XX/2021 at the phone number contact listed on my report. According to the customer service representative XXXX with XXXX XXXX whose badge number is XXXX, they didn't even show an old account for the account number XXXX. So I asked why this account was even reporting on my credit in the first place, as it was negatively affecting my profile. XXXX agreed, but said the only way to get it removed was to dispute it with the credit bureaus, which was already done, and redundantly might I add. I let him know that the collection agency listed on the account also sent a letter confirming that they were ceasing collection of the debt. I then asked how it was that the credit reporting agencies verified the account information, if he couldn't even find any in his system for the account, to which he answered that he couldn't speak for the credit bureaus. What is the point of disputing to get inaccuracies corrected or removed if the credit bureaus don't even bother to properly verify the information they are reporting? This is not only a form of gross negligence, but also a poor lack of communication and is very arbitrary to continue to do this to consumers. The credit bureaus continue to do this and there is never any recourse, but this needs to desist before grave ramifications occur in revolt.

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 2023-09-27
Company: EQUIFAX, 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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief