BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-12
Company: EQUIFAX, INC.
State: GA
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 went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. I again checked into my credit report and there are items on my credit that are not mine. I've reached out to the FTC and to my local police department and am doing this on my own, please have these items removed from my credit report 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 2023-07-20
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: 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 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 I sent certified mail to TransUnion with regards to some inaccuracies found when reviewing my credit report. I received an email back stating items were verified and are accurate. However, see attached letter sent, where I specifically asked for the process in which they validated the said accounts. I also requested it be done by a LIVE person not an automated system or their XXXX XXXX. Clearly they do not have my or any consumers best interest and I would like this to be handled accordingly.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have multiple over drafts fees throughout the 13 years I have been with Wells Fargo over 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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 these creditors and companies XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX Has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states that consumers reporting agencies can not furnish an account without my written instructions. Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-02-17
Company: Express Collections, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I don't owe anything to EXPRESS COLL ( Original Creditor : XXXX SMART SALES LEASE ) with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Thus this account is duplicated and it is displaying on my account multiple times. Please investigate this account thoroughly and make the necessary correction or just remove the account automatically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted 6 times in one day from Wakefield and Assiciates and every time I answered they hung up on, which goes against the rule that they must identify who they are. 
When I finally called back and informed them of this they claimed that they only called one time, yet on my call log it shows 6 incoming calls from the same phone number. 
When I told the lady that this was harassment and illegal she transferred me to her supervisor. 
I told her supervisor how this collection was closed by the previous collection agency he ignored that and then proceeded to go on about how they never called and such.

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 2023-09-11
Company: EQUIFAX, INC.
State: NY
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 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Experian Information Solutions Inc.
State: CA
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:
Hello, I wanted to reach out and let you know my experience with one of the big three credit checking agencies to ensure I was checking my bases and doing my yearly credit check with Experian. Nothing was off with my credit score, but a few weeks later I receive a charge from Experian on their month membership. I had to put in my credit card information to get my credit score, but it did not tell me it would sign me up for its reoccurring membership of {$25.00} or {$300.00} dollars a year. I called and they granted me a " pass '' this time since they " can not refund membership fees ''. This seems wrong when the FTC advocates for this group as a resource for the American people.

To note, I looked to ensure I would not be signed up or charged when putting in my credit card information. As well, none of the confirmation emails sent to me had any indication that I was signed up as a premium member. Also, when trying to change my membership, there was only one small hyperlink at the bottom of the page that allowed me to do so on the page.

For one of the big three credit report sights, this seems low and scummy to charge when they are required to give us a free report once a year. It feels like prey tactics and if it is common knowledge to use this company then I think that this tactic is unethical and preying on individuals. 


Thank you for your time and hope you can take this to the proper channel to ( This was XX/XX/2021 when I summitted this to the FTC and they pointed me to this agency ) Now today ( XX/XX/2021 ) I get a notice from my place of employment that there was a data breach with my information and it tells me to the go the the Experianidworks.com page to sign up for a year of protection. I put in the same information I did on Experian 's main page, and it will not let me log in. I got through the process of getting my password reset, and the recovery system is not the same of the recovery system I just used on their main site. To me it is making me think that Experian is making it harder to get into their system on purpose so that you will not use the free system provided to you, and I you can not access the Experianworks page on their main site to enter your activation code unless you put in your credit card information.

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 2023-09-03
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: Public record information inaccurate

Complaint:
Request and investigation to fix the fraudulent inaccurate accounts and information that's reporting on my credit report immediately with supporting documents.

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 2023-01-07
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX reopened a charged off account in XX/XX/XXXX that was charged/ voluntarily repossessed back in XXXX without me making any type of arrangements or any changes to the account. There has been no changes or updates since 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 2022-10-07
Company: Experian Information Solutions 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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 am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Experian Information Solutions 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2023-02-17
Company: Nelnet, 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: Account information incorrect

Complaint:
Hello, this is in reference to a private XXXX loan that I cosigned for my son. I went to XXXX bank ( the company that services the loan is called firstmark services ). 

at the time I asked for the payments to be automatically taken from my citizens checking account ( this did not happen ). 
When I realized that i was not making payments I called XXXX and made the payments over the phone with a debit card ( i have XXXX separate loans ) this was in XXXX of 2022 I received a phone call from XXXX bank collections telling me that XXXX of the loans was still behind and going into default I immediately called XXXX and spoke to a representative who told me that the funds were misapplied ( an overpayment to XXXX loan an no payment to XXXX loan ). He told me he would adjust it and i was current. XXXX records these phone calls they are on record In XXXX I was informed that the loan was in default After countless phone calls and emails I spoke with a representative who helped me, she found the mistake made on firstmarks behalf and helped me return the loan into repayment status. In the meantime from XXXX there are derogatory and delinquent account notices with XXXX and XXXX that remain on my sons and my credit reports. I have politely been asking for these items to be removed because the misapplied payment was a mistake by firstmark.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have received all statements for the account. However, I did ask for tax documents for 2022 that they refused to give to me. They said because this account was closed due to fraud they will not give me any documents. I did a Trustee to Trustee transfer and also a Direct Rollover. The account numbers are XXXX & another Roth or Traditional account. The contact information with Ally Bank is XXXX XXXX XXXX XXXX, PA XXXX. FYI these are IRA 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 2020-03-18
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2023-04-10
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A credit card was opened in my name for Best Buy at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

Two charges were made, once on XX/XX/2023 for {$1300.00} and again on XX/XX/2023 for {$1200.00}. A credit limit of {$4000.00} was opened and a total purchase of {$2600.00} was made in my name. I have never inquired or tried to open an account with this company. I contacted the company with no resolution in site. Either redirected my calls or was unable to properly communicate with me.

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 2023-02-16
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this company purchased this loan. this loan is not correct and is a student load .the information is not correct and needs to be deleted on all 3 credit burrows

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: OH
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 inquiry, unauthorized and performed without permission by the creditor, must be removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw a bankruptcy that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This Bankruptcy claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2019-09-17
Company: Movement Mortgage LLC
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am hoping to sell my home and buy a new one. I have a buyer, and we are both clear to close on our loans. However, the buyer of my home can not close on mine until her buyers close ( a long chain ). They are using Movement Mortgage. As of now, it has been over 80 days that the loan has been processing. Last week, we were told that they were clear to close. We then found out that the loan officer at Movement Mortgage was not honest with us, and that they were not clear. Since then, there has been little to no communication with anyone about why the loan is sitting there- not being declined or closing. We were told again that it would close today, but it hasn't happened. At this point, it is affecting my ( and everyone else in the chain ) ability to sell my home and close on my new home. The lack of communication is unacceptable and I have no idea what the next steps are if we can't get an answer one way or another from Movement Mortgage. I would just like a resolution to this problem.

Company response to consumer: Closed with explanation