BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX These accounts are not mine, I do not want them on my credit report, I need them to delete them.

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 2023-05-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent a letter last XX/XX/XXXX, to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, AK XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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: Investigation took more than 30 days

Complaint:
I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-14
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:
XXXX XXXX only removed there account from 1 bureau XXXX. They neglected to remove it from equifax and XXXX. This is very serious for a huge company to continue to ruin people lives by falsely reporting wrong information. They also falsely stated i had to pay and offered a settlement before they could remove it and they lied. This company is not responsible to consumers credit. 

XXXX is reporting incorrect information never late on credit card ever. Its illegal to report different information thats not accurate.I spoke to them they said im reporting current never late please update. This is wrong. Never late Its on XXXX I was never late. Since covid I worked hard to keep my credit clean XXXX {$8400.00} Closed 2 late payments never late please remove Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XXXXXXXX XXXX, XXXX Credit Limit {$8400.00} {$8700.00} Payment Info Status Paid or paying as agreed Status date XXXX XXXXXXXX Past due amount {$0.00} Highest balance {$8900.00} Monthly payment {$220.00} Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - XXXX - - - - - 30 60 On Time 30 Days Late 60 Days Late - Data Unavailable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was unfairly charged three late fees. 
XX/XX/XXXX, XXXX and XX/XX/XXXX were the billing cycles that I was inaccurately assessed. I was also reported to the credit bureaus that I missed payments or they were late for the same said billing dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: NJ
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:
Their are several incorrect items on my credit file between XXXX XXXX XX/XX/2022 several letters were submitted to XXXX and XXXX and directly to the creditors to avail it has been over 30 days and I would like to know why the items are not being remvoved?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PLEASE HELP GET THIS INFORMATION CORRECTED ON MY CREDIT REPORT. THE CREDIT BUREAUS ARE NOT DOING THEIR JOB AND GIVING ME THE RUN AROUND.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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'm a victim of identity theft. I have field a police report and FTC report according to the FCRA and submitted these documents to the credit agencies. They are not being processed correctly and I am not getting copies of the verification process These accounts are : XXXX XXXX XXXX and 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 2023-05-11
Company: EQUIFAX, 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:
My research on FCRA 605 indicates that credit bureaus are required by law to remove and ban any items that are discovered to have been opened as a result of identity theft. Again, it looks that my credit with you has been compromised. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following items must be taken away by CREDIT BUREAUS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I made Several attempts to XXXX, Transunion, XXXX remove the Bankruptcy off my credit report. it showing that I filed a XXXX  XXXX with i didn't. and XXXX  XXXX I ask them to verify the information and they haven't been able to. I need this to be remove from my credit report and it in violation of the Fair credit Reporting Act 1970.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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.

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 inructions 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 2023-05-11
Company: EQUIFAX, INC.
State: NY
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:
recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is listed as a collection with a PAST DUE balance of XXXX dollars This is a violation of the FCRA and is also in violation of reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report therefore any information that is not true, accurate and verifiable is required to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
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: Information belongs to someone else

Complaint:
I have directly contacted Experian on multiple occasions regarding fraudulent information on my credit file that does not belong to me. I have tried to resolve via mailing Experian on the following dates XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Each time I have received a response that they are performing an investigation, or they are unable to honor my request when they should be following the FCRA and blocking the fraudulent information. I have had no issues getting any errors removed from XXXX  or XXXX  but Experian continues to ignore laws that protect identity theft victims without cause. Experian negligence have cause me great financial hardship and stress. Most recently I mailed Experian via certified mail ; return receipt on XX/XX/2020 which was received on XX/XX/2020 and signed for by XXXX XXXX at Experian mailroom. I have waited 60 calendar days and have received no correspondence from Experian and have grown frustrated to the point I have no other recourse but to file a complaint with the CFPB and pursue filing a lawsuit against Experian since their errors have caused me not to be able to obtain my security clearance for government employment. On XX/XX/2020 I mailed important sensitive documents to Experian regarding me being the victim of identity theft. For the past 6 years I have been XXXX overseas and was unaware of my personal information being compromised. It was not until I was honorably discharge from the XXXX XXXX XXXX, attempting to transition to civilian life and gain employment through a government contractor that I became aware of financial alerts on my security clearance investigation. Upon reviewing my Experian credit report, I discovered fraudulent information being reported as a result of the identity theft committed against me. I mailed my Experian credit report with fraudulent information circled requesting it be removed from my credit report since they were the result of identity theft. I requested Experian please provide an update with fraudulent information removed but no acknowledgement, communication or update was received from Experian. I have copies of all the documents I mailed to Experian via certified mailed which I will attach to this complaint. I provided Experian with the following documents to process my request : Federal Trade Commission Identity Theft Report, Identity Theft Police Report, Proof of Identity & Proof of Address : Copy of my Drivers License, Social Security Card and Utility Bill and a copy of an abbreviated Experian credit report with fraudulent items circled in red for deletion.

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 2020-02-25
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello, my name is XXXX XXXX. 
I was using a third party vendor called XXXX XXXX XXXX, to be on loan forgiveness. I called them in XX/XX/XXXX to renew my eligibility. I also emailed. Noone answered and noone called me back noone emailed me. 
In XXXX I received a student loan bill from FedLoan servicing for XXXX dollars. I called XXXX XXXX XXXX again, because I had still been billed every month for my usual {$50.00}. I called and emailed, nothing but an answering machine. 
I then called fedloan servicing. XX/XX/XXXX and XXXX XXXX. I only get a sweepstakes recording, over and over. I attempted to email twice on those days and it responds with a weird error message. I am racking up debt, my credit score is going down and I do not know who to call! Please help me! 

I have an issue with XXXX XXXX XXXX company ( supposedly from XXXX ) And, FedLoan servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XX/XX/XXXXXXXX XXXX Balance Owed : {$7600.00} XXXX XXXX XXXX Balance Owed : {$160.00}

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 2023-05-11
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 am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: AL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear CFPB, I am writing to file a complaint against Wells Fargo regarding their deceptive practices of unbinding my repayment account on my due date and their refusal to rectify the situation. On numerous occasions, I have contacted the bank to address this issue, and they claim that the repayment account, which has been used multiple times, is unverified. However, I have evidence that my XXXX XXXX savings account was verified on XX/XX/XXXX, as shown below, and I have made multiple repayments. 

I received {$38.00} in interest income, as evidenced by my account statement from XXXX XXXX. This demonstrates my financial stability and ability to meet my repayment obligations. 

This is a trap designed by Wells Fargo, intending to deliberately harm consumers by abusing their position of trust, forcing them into paying exorbitant interest rates. It must be met with severe crackdowns and penalties! 

The bank 's insistence that this is my fault is unjustifiable. Furthermore, they have requested that I re-enter my card information into the app, but the system only informs me that this account already exists and requires another card to be added. This mismanagement by the bank, which is on the brink of bankruptcy, is inexcusable, and they are wrongfully shifting blame onto their customers. 

I am submitting this complaint in the hope that the bank will promptly resolve this issue. In the meantime, I will not bear any interest incurred during this period, as this is not my error. 

Sincerely, 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