BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: NV
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 multiple written disputes to Experian, XXXX, and XXXX regarding incorrect, invalid, inaccurate, and potentially fraudulent information on my personal consumer credit reports with Experian, XXXX, and XXXX. 

The responses from Experian, XXXX, and XXXX clearly violated the Fair Credit Reporting Act ( FCRA ). There was either no proof of any investigation and no proof of any verification of the disputed items to conclude the items were " verified as accurate and should remain ''. I demanded proof and documentation of the investigation to verify these disputes items when I requested the items be removed from my credit report. I have sent multiple written disputes including challenging hard inquiries, collection accounts, charged-off accounts, late payments etc. The FCRA requires original documentation verifying these items belong to me and a signature which nothing was provided to me from Experian, XXXX, or XXXX. I have not received any documentation to date from Experian, XXXX, or XXXX that shows proof these accounts were authorized and signed for by me so the FCRA requires the credit bureau agencies to delete them. 

My information is as follows... 

Name - XXXX XXXX XXXX Address - XXXX XXXX XXXX XXXX NV XXXX SSN - XXXX DOB - XX/XX/1982 Phone - XXXX Email Address - XXXX Accounts I sent multiple written disputes requesting deletion of these accounts due to being inaccurate, invalid, and fraudulent are .... 

1 ) XXXX XXXX XXXX XXXX Charge-off XXXX Credit Card # 1 2 ) XXXX XXXX XXXX XXXX Charge-off XXXX Credit Card # 2 3 ) XXXX XXXX XXXX XXXX Charge-off Checking Line of Credit Account 4 ) XXXX XXXX XXXX XXXX Personal Loan Charge-off 5 ) XXXX Credit Card Charge-off 6 ) XXXX XXXX XXXX Credit Card Charge off 7 ) XXXX XXXX Credit CardXXXXXXXX XXXX Charge-off 8 ) XXXX XXXX XXXX XXXX Credit Card Charge-off 9 ) XXXX XXXXXXXX XXXX Credit Card Charge-off These accounts are listed on all three personal credit bureau reports each with Experian , XXXX , and XXXX. I am requesting the CPFB assist me in working with Experian, XXXX, and XXXX to have these accounts permanently deleted asap. 

Thank You for your assistance in this matter Sincerely, 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 2021-02-05
Company: Experian Information Solutions Inc.
State: NV
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:
Experian initiated a DISPUTE, on an installment account called XXXX XXXX XXXXonsumer NEVER asked for an investigation on XXXX XXXX XXXX XXXX is a valid account. 

Experian SELF-disputed Lead Bank, without the permission of consumer.

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 2024-01-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I opened an account with Wells Fargo to deposit a cashiers check that I was going to be getting from the sell of my dads house who had passed away I informed Wells Fargo about this when I opened the account On XX/XX/XXXX I deposited a cashiers check for {$62000.00} into my savings account with Wells Fargo inside a branch when in the branch they had to call XXXX bank and verify the check and they were able to do that I was told that they were going to only give me {$5000.00} the next day and the rest would be A 4 day hold On XX/XX/XXXX I made a transfer from my savings to my checking account of {$2500.00} and tried to pull it out at the atm however my card was blocked by the bank and I had to call them. When I called them they told me that I needed to step into a branch with my id I told them no problem I was able to withdraw the {$2500.00} inside the bank however now on XX/XX/XXXX I was notified that my account was no frozen and I would not be able to withdraw any money from my account until I talk to someone in the risk management department. 

Im not happy the fact that the bank is allowed to just not let me have access to my money i will be filing a police report against the company as this is crazy!

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 2023-10-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have asked Experian numerous times to update my name. My name is XXXX XXXX. 

Please delete the following names that do not belong to me : 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 explanation
Consumer complaint received 2023-04-03
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: Account status incorrect

Complaint:
My student loan had been dismissed and discharged months ago and has not been updated on my credit file. I should not be showing any balance or any late payments.

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 2021-02-05
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
All of a sudden i receive a bill from this collector, I then see that this fraudulent collection is on my credit report. It makes me ill that these predatory collectors are attempting to scam people especially during these trying times. I demand that they immediately erase this false debt and remove it from my credit! They should be ashamed! 
I tried to contact them with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2020 I wrote all three bureaus pertaining to a whole bunch of mess on my credit reports that I know is inaccurate and some of it I did not do and have no clue how it got there. The bureaus have ignored me on purpose because they do not want to investigate my troubles because they know this stuff is wrong. I want this stuff looked into right now and answered swiftly with all of those items deleted as they are not mine. They already screwed me with the Equifax data breach and let my info get into the hands of some crooks and now they are just ignoring me. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act ; XXXX Account # 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: IL
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 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. 


Account - XXXX XXXX XXXX Account - XXXX XXXX Account- XXXX XXXX XXXX XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXXXXXX XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX XXXX AccountXXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXX XXXXXXXX Account -XXXX Account-XXXX XXXXXXXX The Following Inquires are a violation of my consumer rights : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are also in violation of my consumer rights : Address 1 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Address XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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.

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: PA
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 have contacted all XXXX credit bureaus challenging the accurate and factual reporting of XXXX XXXX multiple times ... ... .each time the account has come back verified... how is this possible when there are so many inconsistencies in the reporting between the XXXX bureaus ... .. they should all be reporting the same thing if this is verifiable and they're not ... .they did not conduct a proper investigation ... ..all of the information is on the attached copy of my credit report with all of the inconsistencies in the reporting circled

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XX/XX/XXXX, XX/XX/XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : ( Original Creditor : ) XXXXXX/XX/XXXXXXXX XXXX Original Creditor : XXXX XXXXXX/XX/XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: VA
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:
The paperwork that has been allegedly sent has been abandoned and erroneously filed by XXXX and veteran home loans. I XXXX XXXX have not received any notices. And due to my XXXX of not being able to adequately communicate in legal jargon I believe the ADA needs to be alerted for taking advantage of a disable person and veteran. I will also file a complaint with TIGTA and 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 2021-02-04
Company: JPMORGAN CHASE & CO.
State: UT
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:
Chase Auto is reporting me late on XX/XX/XXXX and that is inaccurate. I recently checked my credit file and noticed this late reporting on my credit. I was really confused because I had talked to them because I needed to trade in my car. The girl I spoke to about the manner let me know that the payment for the month of XXXX did not need to be paid. She explained that it would be transferred to the new loan and that's when I would make my payment. I did as she told me to and made my first payment on the new loan in XXXX thinking that covered XXXX payment as I was told. Well, I look on my credit and noticed that they were reporting a XXXX late?!? Had I known that would've happened I would have just paid the account but I was specifically advised not to and I got reprimanded for doing something your employee advised? This is not my fault and this must be fixed. Also, under the federal mandate and CARE act you are not allowed to file negative notations on credit during this pandemic.Please remove the late from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Texas Guaranteed
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
To Whom it May Concern : I'm currently a XXXX XXXX XXXX XXXX that qualifies for XXXX  Loan Forgiveness. According to the rules, I can get up to {$17000.00} because I have met the requirements for that particular forgiveness. I know this because I've had {$11000.00} forgiven in XX/XX/XXXX from my student loan balance of {$15000.00}. 
Currently, I have {$4400.00} left in 2 loans according to my XXXX account. My guarantor for these 2 loans are the state of Texas which is now Trellis Company. Trellis Company continues to create difficulties for my application in order to get the {$4500.00} forgiven. I have applied seven times. Five out of the seven times, I was told that the documents were not legible. I was told that in XXXX, XXXX, XXXX, XXXX, XXXX, and now again XXXX. The first time I applied was XX/XX/XXXX at the end of my 5 year. 
My last submission on XX/XX/XXXX, I made sure to clearly type the application and have the appropriate signatures done neatly by both myself and previous administrators. I was denied because I was told the application was " too light '' and that they could not confirm that XXXX  XXXX  still works at the XXXX XXXX ( which he does ). No phone calls were made to the XXXX  to verify his employment nor were there any contacts made to him directly. Now I am being asked to show his employment verification of his position which I am not allowed to request through my HR department. 
The first 6 times I applied, there was no mention about my previous XXXX 's status being a reason for denying my application. Now with my most recent denial, I'm being asked to do something that is not within my boundaries. For the past 8 months, I've made multiple phone calls ( at least twice a month ) to XXXX to verify the status of my application, I've submitted all the paper work every time, and everything is up to date. Because I have gotten loans forgiven for a my first application, I know my application is solid. 
I've been informed by XXXX, loan service provider, that my guarantor ( Trellis Company ) keep denying my application for the following reasons : 1- Illegibility 2- "  Too light '' 3- Updated information 4- XXXX XXXX verification of work ( without making any contact with the XXXX  or person ) From the feedback that I am receiving, I am under the impression that Trellis refuses to forgive my loans and keep making me do the run-around until I give up and pay for my loans out of pocket. I have no issues with XXXX, since they have provided me with all the information I need. My problem is with Trellis Company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 


XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried to submit a dispute online at experian.com but it would not allow me to. There are incorrect versions of my name, as well as an incorrect address listed on my credit report. 

My name is XXXX XXXX XXXX. 

REMOVE : XXXX XXXX XXXX ( Name ID : XXXX ) XXXX XXXX XXXX ( Name ID : XXXX ) XXXX XXXX ( Name ID : XXXX ) XXXX XXXX ( Name ID : XXXX ) Also, my address is XXXX XXXX XXXX XXXX , XXXX, FL XXXX. 

REMOVE : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX FAMILY The variation of my address and of my name are incorrect. I have attached a copy of my bank statement proving my address and my ID to provide proof of my name.

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 2023-08-14
Company: MoneyLion Inc.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I had called and talked to one of the customer care reps because I wanted to payoff my XXXX XXXX XXXX XXXX and take out another loan and was told that I could do that but that I just needed to pay my membership fee to qualify and that once the loan was paid off it would take 2 days to clear out. I met all of the qualifications but then they told me I no longer qualify because I needed an outside account and that account would need to have 2 months of automatic payroll deposits. I told them that had I known that info ahead of time I would have handled the payoff different and I would have not paid the membership fee. I have attached a file where they tell me that I can get another loan if I choose yet the application would allow me in

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation