BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: NJ
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:
This information is not mine, it does not belong to me and I do not want it in my report. 

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 2023-01-06
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2019-08-26
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute for two credit cards showing charged off on my credit history. XXXX XXXX XXXX claims I owe them {$400.00}, my original credit line {$400.00} and they are showing a charge amount of {$400.00} and charged off the account after only reporting one ( 1 ) 30 day late payment. The account shows being open in XX/XX/XXXX and current for XX/XX/XXXX and XX/XX/XXXX, 30 days late in XX/XX/XXXX and then charged off in XX/XX/XXXX. This is inaccurate. I contacted XXXX XXXX XXXX  and requesting copies of all documentation regarding my account and the sent me a letter stating they are not obligated to give me the information which is a violation of my FCRA rights. 

My second account with Wells Fargo Card Services, they state that they, charged off an account in my name for {$250.00}. I originally disputed this balance on XX/XX/XXXX and requested documentation to prove or validate this account. By law, if an creditor doesn't respond within 30 days, this account should be deleted from my credit report. Also the account was charged off in XX/XX/XXXX and in my state of Florida, a creditor may only attempt to collect a debt for up to four years. So this is past the statue of limitations and all collections should cease and be removed 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 non-monetary relief
Consumer complaint received 2023-09-16
Company: EQUIFAX, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX 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 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 a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT CONTROL FAILING TO OBEY THE LAWS HAS BEEN PUT IN PLACE PUTTING MEDICAL BILLS OM MY CREDIT REPORT I DONT OWE I HAVE REACH OUT TO THE CREDIT BUREAU AND THEY FAIL TO RESPOND THIS LETTER IS FOR MY RECORDS MY HIPPA RIGHTS HAS BEEN VIOLATED AND MY MEDICAL RECORDS HAS BEEN COMPROMISED

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Diversified Consultants, 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: Old information reappears or never goes away

Complaint:
When I negotiated this payment with the collections company ( Diversified ), I agreed to pay this as long as the entry was completely removed from my credit reports. This has never  happened and I've tried a few times to call them with no results. This continues to show up on my credit report and damage my scores and ability to secure financial products. 

CURRENT ACCOUNT/WAS DELINQUENT 120 DAYS PAST DUE DATE. 
DIVERSIFIED XXXX XXXX PAID ORIGINAL CREDITOR CLASSIFICATION : Cable/Cellular ORIGINAL CREDITOR : XXXX AT T LAST REPORTED DELINQUENCIES : XXXX ORIGINAL CREDITOR : XXXX XXXX  PAID COLLECTION COLLECTION ACCOUNT CollectionAttorney Closed Highest Adverse Rating - Date:XXXX, Type : Collection Most Recent Adverse Rating - Date:XXXX, Type : Collection Prior Adverse Rating - Date:XXXX, Type : Collection XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX PLEASE UPDATE MY NAME, THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

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 XXXX 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.

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 2023-02-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things 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  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-06-03
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, a {$250.00} money transfer was initiated by FRIEND to the XXXX account of XXXX by mistake. The correct email was XXXX. 
FRIEND contacted the recipient ( XXXX ) to request reversal of the transfer. The recipient acknowledged the incorrect transfer but he has since refused to return the money. FRIEND 's efforts to deal with both her bank Wells Fargo and XXXX ( XXXX 'XXXX XXXX ) have failed to achieve return of the money. XXXX refused to communicate with her. My efforts to convince XXXX have also failed ( see attached emails ). 

I request that you convince the Wells Fargo, XXXX XXXXs and XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX to process the return of the {$250.00}. 

XXXX is a trademark of XXXX XXXX, XXXX XXXX XXXX is similar to such services as XXXX and XXXX. XXXX was created jointly by several large banks, including XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Wells Fargo.

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 2020-03-19
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: Account information incorrect

Complaint:
In 2017, I began a 3 year lease and set up an automatic payment with XXXX XXXX with my checking account. For the 3 year period, I made payments as planned. The last few payments I made were not accepted by XXXX XXXX. They claimed that a tax change to the lease changed the payment amount so they could not accept payment. When they began calling from unknown numbers, I was traveling and did not pay attention to this until a few weeks later. 
XXXX XXXX refused to accept payment and reported to the credit bureaus that I was missing payments. This should not affect my credit score and I asked XXXX XXXX to rectify the error. Even though the remaining lease amount was paid in full before the end of the lease, they refuse to even make an attempt to change my record. 
I've disputed the issue with the credit bureaus and most I've heard back is that XXXX XXXX told them that the erroneously reported late payments are correct. 
I never missed the lease payments and was making them on time. XXXX XXXX is at fault ( if anybody ) for refusing to accept my payment, but they took it a step further by putting a negative mark on my credit report. I should not have bad credit for missing phone calls. 
Attached is a statement from the beginning of the lease showing an auto payment deduction from my checking 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 2022-02-17
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 status incorrect

Complaint:
The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, Equifax Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Late/Open XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$21000.00} Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: MA
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:
Good afternoon, my name is XXXX XXXX, and I have a problem with the mortgage company and Experian, I file a dispute about my mortgage company, my old company sold my mortgage to a third party, and I have been in my house for over ten years now and have never been late until now, my old mortgage company didn't transfer all the information about the auto payment, and nobody told me about the late payment, they never set up my auto pay once they transfer the mortgage, please can someone help me I already disputed the account and the scored with the credit company but they have not done anything as of yet, I need them to fix my credit score, I spoke to the mortgage company and they said that they were going to fix my credit, I have already paid the balance and still the company has not fixed my credit report. I need help with this matter Experian the credit company has not done anything to fix my credit, my credit score has gone down XXXX points and they for some reason don't restore my credit as of yet... 

please can someone help me with this, I would really appreciated it. 

Thank you 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 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I signed up with XXXX  XXXX a year or so ago. I have no upgraded account, its all supposed to be free. I never gave my debit card info but I had a bank account linked. Ive been charged {$21.00} for months now by TransUnion. I noticed it late because I thought it was a different bill. Theres no option to look at what Im being charged, to cancel it, or to delete my account. If you call the customer service number they wont let you talk to a person and they put you on hold for hours. When I finally got ahold of someone, I was told it was for offline services and I needed online services and given a different number. The other number is impossible to get ahold of someone. I was charged a {$1.00} on XX/XX/19 and then charged {$21.00} on XX/XX/19. Ive never used Tran union.  Theyve charged me {$21.00} every month since then. Always on the XXXX or XXXX. So theyve taken almost 300 dollars from me that I didnt approve of at all. I dont even know how they got my card number. Id like my XXXX  account deleted. I want it gone. I wont be using it anymore. Its supposed to be free and the boosts wont even work anymore, Im assuming since I refused to upgrade my account. I plan on shutting my card off and getting a new one and filing fraudulent charges for what I can, but I should be reimbursed the money that they took. I was never using Tran union services and I couldnt even use the XXXX  services I was offered.

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 monetary relief
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: MD
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:
Equifax is reporting a public record that does not belong to me. I have checked with the US Bankruptcy court to see why this information was reported on my credit file and they stated that they do not report to credit bureaus. The following information is being reported by Equifax and it is erroneous. 

Chapter XXXX Bankruptcy XX/XX/XXXX XXXX {$0.00} Federal {$0.00} {$0.00} Chapter XXXX Bankruptcy Discharged XX/XX/XXXX XXXX {$0.00} Federal {$0.00} {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
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:
There is a fraudulent collection on my account. I asked them to remove it three times already and the last time I asked was XX/XX/2021. There response was it falls under the fair credit reporting act. I have the original document from the creditor I obtain from a lawyer and it has different address, payment amount, name and phone number then whats on my credit report. I submitted new documents and they used a report from earlier in the month to justify the new document I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Harvard Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection that just appeared on my credit file that is unknown and I believe does n't belong to me. I need to have this matter resolved ASAP. I sent in a dispute but nothing received back. 

Harvard Collection # XXXX for {$140.00} Please help

Company response to consumer: Closed with explanation