BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX I had defaulted on a car loan. The car ultimately was repossessed in XXXXXXXX XXXX XXXXXXXX. The debt was then sold in XXXX. Both XXXX XXXX XXXX and the new debtor are displaying inaccurate information on my credit report. Both of them are not showing historical data from XXXX and XXXX to make the account stay on my credit longer than it should.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to remove and update some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
Original Creditor : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There were a number of fraudulent accounts listed on my credit report all were removed accept XXXX XXXX date opened XX/XX/2022.

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 2021-06-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
A recurring payment set up through online banking, with my primary bank, fails to be processed resulting in me receiving a notice from another financial institution that a payment was not received. 

This is the second such occurrence in less than a year.

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 2023-03-07
Company: Experian Information Solutions Inc.
State: MD
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:
I am writing in regard to my credit report which was recently issued to me and includes negative items from the following.

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. 

Please remove inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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 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 Doesnt exist. Inaccurate information My rights have been violated sharing and posting information that is not accurate per FCRA please remove The FCRA is a federal law that requires credit bureaus to provide consumers with fair and accurate credit reports. Section 609 of the FCRA states that whenever a consumer disputes an item on a credit report, the credit bureau must provide reasonable procedures to ensure that the information is in fact accurate.

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 2023-02-04
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023, I was notified by my credit card company that an entity named, " ComenityCapital/XXXX '' had initiated a hard credit check on my account. I had not applied for credit from this or any other company in at least the last 60 days. I was also notified about the same incident the next day by my credit monitoring company. 

An Identity Theft Restoration Specialist from the fraud detection services of my credit card company contacted me on XX/XX/2023, and together we attempted to contact ComenityCapital/XXXX  but the wait time was excessive, and we decided to try again the following week. At the same time, the representative of my credit card company said that her experience with that creditor was that they were very difficult to reach and work with for these purposes, and suggested I file a complaint with the XXXX as directed by their " Recommended Steps to Take to Protect Yourself '' document that she sent me via email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have found inaccurate and incomplete information on my credit report. I have already communicated with you several times via mail but it seems that nothing has been done on your end. 

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 XXXXExperian 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 explanation
Consumer complaint received 2023-07-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
Nissan Mtr Accpt/Infiniti Fin amount not reported In accordance with the Fair Credit Reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have a right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on an account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Fraudulent fees and freezes on my checking/savings account with Wells Fargo Bank on or after 2011.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021, a debt from XXXX XXXX was obtained by Jefferson Capital System for collection under my SSN. I did not have this account with XXXX and never did. The name on the account is not even mine but it is reported in my credit report. I have disputed the account multiple times but it still has not been deleted. My name is XXXX XXXX, and the name on the account is XXXX XXXX. I contacted Jefferson Capital System by phone to figure something out, as I need it removed so that i can get financial aid for school. When i contacted them they said that they could not speak to me about the account because my name isnt the name on the account. Well, that is obvious. The supervisor XXXX said he can not help me and he just hung up on me. This is illegal and just rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: KS
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 non-monetary relief
Consumer complaint received 2023-08-16
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$4800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are unauthorized businesses on 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 2020-08-12
Company: SHM Holdings, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I recently closed a mortgage with Strong Home XXXX, with title services provided by XXXX of California. I signed the paperwork for the mortgage on XX/XX/XXXX at my home. The mobile notary brought only one copy of the paperwork. Since signing the paperwork, the loan has closed, and the lender ( Strong ), the title company ( XXXX ), and the notary ( XXXX XXXX ) have been unable to supply me a copy of the papers that I signed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions 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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction or removal due to inaccurate reporting in my file. 
XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX 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

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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-10-11
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called EdFinancial on XX/XX/XXXX about the loan forgiveness that was issued for up to {$10000.00} and any payments made since XX/XX/XXXX should be refunded up to that amount. I made payments totaling {$5500.00} since XX/XX/XXXX and am eligible to be refunded for that amount. After talking to them on the phone I was told it will take 150-180 business days to process my refund. Other lenders have been getting these refunds to people within a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitting this CFPB complaint to follow up the recent CFPB Complaint I submitted on XX/XX/XXXX. As I previously complaint about, I am requesting that the Credit Bureaus remove the Disputed accounts and information completely from my Credit File. Under the Fair Credit reporting act section 605b, the Credit Bureaus are expected and required to remove any accounts and information that were incurred due to fraudulent activity. Also, the Credit Reporting Agencies have been claiming that the disputed accounts and information are verified thus preventing the immediate deletion of the disputed accounts. However, the Credit Bureaus have not sent me copies of proof of verification from their investigation. This action of the Credit Bureaus is a clear violation of a consumer 's rights under the Fair Credit Reporting Act. Once again, I am requesting that the credit Bureaus remove the following items completely from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed XXXX {$370.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX  XXXX  XXXX Balance Owed : {$2100.00} XXXX XXXX  XXXX Balance Owed : {$510.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-20
Company: EQUIFAX, INC.
State: DE
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 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 XXXX XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this letter reaches you under circumstances conducive to immediate resolution. I am writing to express my deep concern and frustration regarding the multiple attempts I have made to address two critical issues related to my account Despite multiple previous attempts to address the delayed opening of my account, the issue remains unresolved. 
Additionally, I have also been seeking assistance in the removal of a charge-off from my account. Despite my multiple attempts, the charge-off continues to affect my financial standing. 

I understand that these matters can be complex, but the extended delay in account activation and the persistence of the charge-off are causing significant distress and inconvenience. 


Expedite the process of opening my account and ensure its activation at the earliest convenience. 

Conduct a thorough review of the charge-off and take the necessary steps for its immediate removal. 

Improve communication channels to keep me regularly informed about the progress made on both issues and the expected timeline for resolution. 

Given the prolonged inconvenience, I kindly request that you consider appropriate compensation or accommodations for the stress and financial disruption experienced. 

I understand the complexities associated with these matters but emphasize the urgency of a swift and effective resolution to restore my confidence in your institution 's services. I am asking for your assistance to correct these late open account and removal of charge off in my credit file : XXXX XXXX Balance Owed : {$5900.00} Date Opened : XX/XX/XXXX  Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. 
Please update it immediately. 
XXXX XXXX Balance Owed : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NJ
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 wanted to remove this from my credit report. this is not belongs to me. 
Please make action on this.

Company response to consumer: Closed with explanation