BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

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 2023-02-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am attaching claim # XXXX. Wells Fargo did a bait and switch on {$3000.00} loank. Wells Fargo charged interest rate of 13.74 % instead of 5.74 % on a 1 year loan. I complained to CSFB and to Wells Fargo but was not compensated. I need to be reimbursed the difference in monthly interest fees ( 8 % that I was overcharged by wells Fargo bank,

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 2023-08-23
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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: WELLS FARGO & COMPANY
State: FL
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 sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.

according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

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 2023-06-15
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 usc 1681i -procedure in case of disputed accuracy paragraph 2a prompt notice of dispute to furnish of information paragraph 5a treatment of inaccurate or unverifiable information 15 usc 1681s-2 responsibilities of furnishers of information to consumer reporting agencies paragraph 8e Duty of person after receiving notice of dispute 15 usc 1681b permissible purposes of consumer reports paragraph 2 in accordance with the written instructions of the consumer to whom it relates 15 usc 1681 Congressional findings and statement of purpose paragraph 4 there is a need that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect to consumers right to privacy.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX Balance : {$6800.00}

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 2023-08-23
Company: Experian Information Solutions Inc.
State: NC
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-05-02
Company: Cedars Business Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Cedars business services called me on XX/XX/XXXX and is saying theyre a debt collector trying to collect a debt from XX/XX/XXXX When I was in Italy XXXX Stating it is a traffic violation and the amount due is about {$260.00} ( I can not remember the exact amount that they stated ) I paid my ticket which was less than {$50.00} back in XXXX which I have proof from my bank account The man kept insisting I pay {$67.00} for start and then I said No Ive already paid this and I will double check my statement. 
He was persistent to get money from me and said ok how about you just pay {$50.00} now I again said no He said he sent the info to my email address and the email address he mentioned ( Ive never had ) and then he asked for my phone number. Thats when I knew it was a scam. He called me! 
I said you called me, you have my phone number The phone call ended and then I received a call today with a voicemail to call back on XX/XX/XXXX This is a complete scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus 11/30/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX : {$6800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: ONLINE Information Services, Inc.
State: FL
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: Billing dispute for services

Complaint:
Account showing in collection does not belong to me as the account was closed and no balance was pending at time. Never received any notice of any outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 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: Experian Information Solutions Inc.
State: VA
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2021-09-15
Company: State Collection Service, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no knowledge of this debt and did not receive a notice of debt or any notices stating that I could contest the debt or asked for it to be verified but it has been reported to the credit bureaus which is a violation of my consumer rights under the FDCPA 15 USC 1692g.

A debt collector violates the FDCPA and the Fair Credit Reporting Act if it reports a debt that it knows, or should know, to be false, this is a violation of my consumer rights under 15 USC 1692e.

I hereby notify you that your claim is disputed, and I am requesting complete validation per the Fair Debt Collection Practices Act.

Please note that I require full validation under the law, to include copies of completed and signed documentation indicating that I have a contractual obligation to pay you, or had such an obligation to pay in the past.

Your failure to remove inaccurate information from my credit files will be documented as a violation of the Fair Credit Reporting Act for the sole purpose of pursuing legal relief under current consumer laws. 
Please submit any substantiating evidence of your claims regarding the account listed above to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE [ XXXX ] If I do not receive a response from you regarding your claim within 30 days of the verified receipt of this letter, I will assume that you do not have the required documentation and that your claim is invalid. Per this assumption, I will move forward with legal proceedings to retrieve damages for your ongoing violations of the FCRA and FDCPA. 

Please note that any and all information provided by you will be documented thoroughly as part of the ongoing validation process. I look forward to your timely response and correction of this oversight. 

Please also see the attached affidavit and invoice detailing the violations of my consumer rights. Please pay the attached invoice upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I told these people on numerous times in despute to fix my XXXX XXXX Account # XXXX. It was inaccurate for for 2 the of the months on my credit... .they first wrongly closed the account XX/XX/XXXX, then they remove the account without consent and I'm trying my hardest not to take this to courts because they are wrongly ruining my credit and I need this to be resolved. 

I also want yall the CFPB to ask

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 2022-11-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I reviewed by credit report on XXXX and XXXX and found an open account on my XXXX report that was open XX/XX/XXXX with an open line of credit of XXXX with a company called Citizens Pay LOC with a partial acct number of XXXX. The business address is XXXX XXXX XXXX XXXX, RI XXXX and a contact number of XXXX. It shows a balance of XXXX and monthly payments are XXXX. 

On XXXX, this acct. show Citizn Pay LOC with an acct. number of XXXX. The acct. was open XX/XX/XXXX and it says the acct type is Overdraft/Reserve Checking account. The balance is XXXX and the credit limit is XXXX and monthly payment is XXXX. The business address is reported as XXXX Citizens Bank XXXX XXXX, RI XXXX. 

I attempted to call this business number and that number XXXX is not a business number. 

On XX/XX/XXXX I called by credit reporting company and locked my credit file and the company placed my report as a fraud alert. 

On XX/XX/XXXX I called my local police department and filed a police report. The police report number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called repeatedly.3 or more times a day every 6 days of the week. They also email me multiple times a week. I forgot to pay it and when I saw that they called the first time it reminded me. I was at work so I was going to do it when I got off ... .then they called multiple more times that day before I got off and now I just haven't paid because they are irritating me while at work.

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 2023-04-03
Company: LEXISNEXIS
State: MT
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 filed a letter with XXXX in XXXX  a year ago letting them know they were in violation of15 US CODE 1681b ( a ) ( 1 ) ( 2 ) as i never gave them permission to report a bankruptcy on the credit report, i mailed them a letter from the bankruptcy court that said the court does not publish or sell that information. so the only way XXXX & lexis nexis could have obtained my social security to verify it was me is if a third party obtained my information and social security number illegally which is identity theft and fraud. 2nd XXXX is in violation of 15 US CODE 1681e ( b ) for accuracy as XXXX XXXX XXXX and XXXX  are reporting completely different information about the bankruptcy and debts and collections. all of the collections were not authorized by me i never gave them permission to report these accounts. Lexis Nexis is also reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Suttell, Hammer & White, P.S
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Suttell & Hammer claim they have legal authority to sue me for XXXX XXXX, but they have never produced any validation documents as requested several times. They filed a lawsuit in XXXX XXXX where I do not live and they claimed they are XXXX 's attorney, then admitted they are a debt collector. 

I sent them another request below on XXXX and I have not received a response. 

XX/XX/2023 Sent via Certified Mail w/Return Green Card # XXXX XXXX XXXX XXXX XXXX SUTTELL AND HAMMER XXXX XXXX XXXX XXXX XXXX WA XXXX Dear Sir/Madam, This letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq., that your claim is disputed, and validation is requested.

This is not a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. I am giving you permission to send me validation to my address listed above.

Please provide me with the following : What the money you say I owe is for. 
Explain and show me how you specifically calculated the entire amount of what you say I owe. 
Provide me with copies of any and all account level documents that show I agreed to pay what you say I owe to include original signatures. 
Identify the ORIGINAL creditor. 
If you purchased this alleged account, identify the SELLER, you purchased it from and ALL PREVIOUS OWNERS. 
Provide me with a copy of ANY judgment you say gives you the right to collect anything from me. 
Provide me with ANY documentation which establishes your legal standing to collect anything from me. 
If your offices are able to provide the proper documentation as requested, I will require at least 30 days after receipt to investigate this information and during such time all collection activity must cease. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit files with the credit reporting agencies and a copy of such deletion request shall be sent to me immediately. Until proper validation is provided you are to cease all collection efforts.

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 2023-12-13
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I scheduled a payment then I had to cancel it. I received an email stating it was canceled. I had scheduled automatic payment for XXXX and the still drafted both payment. When one was returned they charged me a nsf fee when it was their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried several times to REMOVE my fraud alert and REMOVE all personal statements with XXXX, Transunion and XXXX. I need the ALL PERSONAL STATEMENTS AND FRAUD ALERTS REMOVED.

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