BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
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: 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

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

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, 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:
I communicated to XXXX XXXX XXXX via email on XX/XX/2021 that this account belonged to my ex-husband but was mistakenly reporting my credit report. The Team Lead at XXXX XXXX XXXX agreed to delete the account once paid as a courtesy deletion. I am not legally responsible for my ex-husband 's payment ; however, I agreed to pay the balance because it affected my credit report and was not very expensive. I submitted an Equifax dispute, and after the investigation, Equifax UPDATED the collection item instead of deleting it. I am including written correspondence from XXXX XXXX XXXX where they agreed to request that all three credit bureaus delete the item as a courtesy deletion. My complaint with Equifax is related to their investigation - now I have to wait an additional 30 days to have this information removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXX  XX/XX/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 2022-02-01
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: Old information reappears or never goes away

Complaint:
I am requesting of Transunion an early exclusion ( deletion ) of an account that is currently been reported on my Transunion credit report. The account is scheduled to drop off my credit report in XXXX of 2022. This is based on the last credit report that I got from Transunion. Transunion 's policy states that persons can request for an early exclusion ( deletion ) up to XXXX months before the account is scheduled to be deleted from the credit report. It is now 6 months before an account that is listed on my credit report is scheduled to fall off. 
I am therefore asking an early exclusion ( deletion ) of a XXXX  XXXX XXXX account from my credit report please. The account number for that account is XXXX ..... 
This is account is schedule to be dropped off my credit report in 6 months time. It is with that in mind that I am requesting an early exclusion ( deletion ) of this item from my credit report. This request is made based on the policy of this company that of giving persons up to six months before the schedule deletion date to request that an item be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: CITIBANK, N.A.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MY DEBT HAS BEEN PAID. I NEED IT REMOVED FROM MY CREDIT REPORT, BOTH THE ORIGINAL ACCOUNT, THE COLLECTION ACCOUNT AND REMOVAL FROM PUBLIC RECORD.

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 2023-05-29
Company: EQUIFAX, 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 US C 1681 section 602 A. States I have the right to privacy 15 US 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was contacted by XXXX XXXX on behalf of a debt collection I have with Jefferson capital systems. I have interest in resolving the debt and I provided my social. They seemed legitimate when I was speaking to a manager until he provided me with the name XXXX XXXX then when I asked for a letter sent to my physical address with proof of their relation to XXXX XXXX and the debt they quickly ended the call and said they would report that I didnt want to resolve the debt to the official collection agency, XXXX . Im worried I provided my social to a potential scam. When I try to look them up I can find nothing related to their company or a number to call. I called the number back and it rings and then ends. No live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: National Credit Systems,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 put in a complaint about national credit systems reporting information that has been proven to be fraudulent to XXXX rentburea that is stopping me from getting a new place to live. Now instead of responding to my complaint and removing the information, they are saying I am not their customer and I can not speak on my own behalf. However, they are furnishing negative information to my credit report, but claim that I am not a client. They continue to be unethical and violate my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Whom It May Be Concerned : I represent XXXX XXXX XXXX. Mr. XXXX is an asset to our company. We have granted Mr. XXXX an exclusive card that is not available to our normal customers. Mr. XXXX was treated unfairly upon the investigation of the fraudulent account ending in XXXX. Mr. XXXX is a severe victim of ID theft. As a world elite and preferred card member, Mr. XXXX has access to our bank fraud department intervening and resolving credit grantor disputes. According to the call with the XXXX agent, XXXX ( { call id : XXXX, Dispute ID:XXXX, Date of Call : XX/XX/XXXX }, the agent confirms the account was closed for fraud on XX/XX/XXXX. He still says there is a fraud investigation that is opened on the account. To our knowledge, the consumer had received a confirmed letter in XXXX confirming fraud and the closure of the above referenced account. It is quite unfortunate that XXXX took over 90 days to complete the investigation. I will be cc'ing the FTC and the XXXX in regards to this matter. 

Respectfully Yours, XXXX XXXX, Office Of The President Executive Response Unit ( ERU ) XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: NC
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 refuse to accept your decision to reject my identity theft claim. Who are you to determine whether I have been a victim or not? You lack any authority or legal standing to make such a declaration. If you persist in denying my claim, I will engage my attorney to pursue a legal solution. It's important to note that my identity theft claim is in full compliance with the law. I have submitted an official report to a federal agency, as required by legal procedures. Let 's work together to resolve this matter within the mandated 5-day timeframe. I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Please find below the details of the fraudulent account : XXXX XXXX XXXX XXXX XXXXXXXX. Please delete this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was contacted regarding a remote job. Asked to download XXXX app for interview. I was interviewed and offered the job. I looked up the company and it was a legitimate big company. I was sent a check to deposit. I called my bank Fifth third the next day to ask if the check was cleared. I was assured it cleared and the funds were put in my account. I was asked to XXXX money {$1000.00}. Which I did and there was no questions about it. I also bought XXXX XXXX for the software to be uploaded to the XXXX XXXX XXXX  they were shipping me. The check was for XXXX. The next day they deposited a check for {$4700.00}. At this point I was getting suspicious and started questioning them. I immediately called the bank again twice and was reassured I had nothing to worry about that the funds were cleared. I did not do anything with the {$4700.00} just left it in the account. I called the fraud line and gave all the information and uploaded all documents. I was told that she didnt know why the other bank employees would have guaranteed me that the funds were in the account. I even had them on speaker and my fianc heard the conversations that the funds were cleared. Well now I am out {$2100.00} which I dont have the money to cover. I have not heard back from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX continues to report my account as past due even though i am in a forbearance and have been for over a year. They are reporting 180+ days past due on credit causing financial stress and denials for credit for me and my family.

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 2022-12-29
Company: WELLS FARGO & COMPANY
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have an auto loan with Wells Fargo. If I am late in making the payment there is a late fee added which I understand. When I make my payment I always pay more than enough to cover all of the principal, interest and any fees that might have occurred but for some reason the late fees will not go away so you have to call them and in some cases make many calls to fix the issue. My wife had this happen also and it took a dozen messages and phone call to fix the issue. Wells Fargo Bank is charging millions of customers this same fee with this same issue and this was verified by a Wells Fargo employee. There is no way to pay the additional fees online and in my case and my wife 's we thought they were paid by the overage we were paying when we made the payment. It shows the late fee on the payment screen and a customer will think it's being paid but it is not. Please help fix this problem for many, many Wells Fargo customers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
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:
l 've repeating have send out numerous dispute letters requests. l 've done the theft identify copied letter and send out to all 3 major-credit reporting agencies. I have requested a fraud alert on my credit report. 
This are the inquiries that l 've requested to be remove. 
This are the following fraud inquiries : 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 Transunion has block or suspended my login to dispute. l have made a copied of notice. XXXX hasn't responded or remove the deleted accounts. XXXX has the same inquiries and still waiting on response.

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 2022-12-29
Company: Experian Information Solutions Inc.
State: IL
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:
Consumer reporting agencies are reporting account with out my consent. According to The FCRA consumers have a right to privacy. 15 USC 1681. XXXX XXXX XXXX XXXX as well as Experian, XXXX, and XXXX has violated my right to privacy. In accordance with the Fair Credit Reporting Act consumer reporting agencies may furnish a report in accordance with the written instructions of the consumer. I never have given instructions to niether the XXXX or XXXX. 

My account with XXXX is an extension of credit approved directly from my credit card and is to be excluded from consumer reports. XXXX and the XXXX are in violation of 15 USC 1681 ( b ) and must remove the 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 2019-10-09
Company: EQUIFAX, INC.
State: IL
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 recently obtained a copy of my credit report from Equifax that indicated that a credit inquiry was made by your company XXXX on XX/XX/2019 However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. I have contacte both Equifax and XXXX several times by phone, and certified mail. this issue was ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: SANTANDER HOLDINGS USA, 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:
Despite multiple disputes, Santander continues to willfully and wantonly violate the FCRA by refusing to report to every CRA that my account is DISPUTED BY CONSUMER and CLOSED BY CONSUMER. Moreover, Santander has failed to timely report payments including my payment of {$100.00} received on XX/XX/XXXX. Failing to comply with the requirements to report accurate and complete data and to mark my account as CLOSED and DISPUTED constitutes 3 separate willful violations entitling me to {$3000.00} in statutory damages. On XX/XX/XXXX, Santander wrote stating We understand that you believe the bank is inaccurately reportingto the credit bureaus and you believe that the card should be reporting as closed per your request on or about XXXXLastly, during your XX/XX/XXXX call you requested to close the card. As a result, our agent restricted the cardhoweverthe account will not close until the balance is paid in full. I diligently made multiple demands to close my disputed account but Santander has illegally refused to meet its obligation to report to every CRA documenting my account as both Closed and Disputed. Clearly, I closed my account, before the normal XX/XX/XXXX CRA dates but Santander knows its obligations to report my account as closed and disputed but it nonetheless intentionally violated its statutory obligations. Attached are excepts from my XXXX and XXXX reports of XX/XX/XXXX and XX/XX/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 2018-09-10
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: Account status incorrect

Complaint:
I have mailed ( certified ) Equifax on behalf of my credit report reporting a fraudulent account opened not by me 2012 by XXXX turned over to XXXX XXXX XXXX the collection agency. I have filed fraud affidavit with both XXXX & XXXX. XXXX  and XXXX have removed this account. Equifax keeps sending my a request of proof of identity even after I have provided this ( copy passport and bill ) several times. Equifax has refused to remove and will not send me a copy of my credit report with them. This account has NO proof of me opening no signed contracted as required by Federal Law, no copy of ID, nothing but statements. This is not considered accurate by FRCA law.I want it removed and a new copy of my report sent to me as I keep requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2022-12-29
Company: Experian Information Solutions Inc.
State: DE
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 Did not consent or authorize nor benefit from the following inquiries. Please block and remove the following from my credit report : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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