BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX bought an auto debt from XXXX XXXX. Despite at least three ( 3 ) challenges to the debt as reported, in excess of {$20000.00} it is reported, and for a product that I do not have and have not had that dates back at latest to XXXX in going late, XXXX XXXX XXXX continues to report as though the original debt, for an automobile, is recent, as in XXXX or XXXX and as a result, it is forever/never falling off my credit reports to Experian, XXXX, and XXXX. The vehicle was repossessed. I have asked the credit reporting agencies have XXXX XXXX produce the orginal note/debt as proof when contacting the credit reporting agencies to challenge information inaccuracy, particularly the dates on my report and the amount of the debt, especially since the personal property was recovered and resold, but nevertheless, every time I dispute, the credit reporting comes back that the debt is verifiable. It is frustrating, it is wrong, and it is adversely impacting my credit score, and it has been doing so for years. I know the debt as listed is untrue based on amount and based on credit age. I know this to be untrue, because I know when I did original auto loans and when things went wrong. One was in XXXX and the other was in XXXX. Pursuant to the Federal Credit Reporting Act, debt falls off after 7 years, generally. I have not been in touch with anyone from XXXX XXXX directly, and I do not intend to be. However, I have disputed this through the credit reporting agencies on at least 3 occasions. It is not right that the credit reporting agencies work in concern with this company to wrong consumers by keeping inaccurate information on credit reports and adversely impacting lives. I want XXXX XXXX 's listed debt removed from my report, and I do not wish to be in touch with them.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
As of XX/XX/2022, incorrect personal information is still being reported to my credit I have only ONE address that has been my address for over XXXX years. I have NO previous addresses. Credit bureaus XXXX, TRANSUNION AND XXXX COMPANYS keep reporting inaccurate personal information and addresses. Multiple attempts have been made with all bureaus to fix the issue.

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 2022-01-10
Company: EQUIFAX, INC.
State: MD
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/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
This hard credit inquiry is On my credit report without my permission I request that you remove this hard inquiry off my credit report under USC 1681, and USC 1681S2 XXXX. : XX/XX/XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX. : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 15 USC 1681. 

XXXX XXXX XXXX - Account Number : 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 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 explanation
Consumer complaint received 2022-05-29
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # 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. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: NJ
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 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 2022-05-28
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX All these accounts above have violated my rights. 

15 U.S. Code 1681 section 602 A. states that I have a right to privacy.

15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: DC
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-01-13
Company: SYNCHRONY FINANCIAL
State: IN
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:
My credit report has XXXX XXXX as an employer. I have NEVER worked for them. 

I work for XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX : please remove inquiry from my report. I only agreed to a silly inquiry XXXX : please remove charge off and closed from my report. It was opened fraudulent by a XXXX  without my knowledge. I have paid it in full. Same issue happened with XXXX account but is hurting my credit XXXX : please XXXX charge off and closed from my report. It was opened fraudulent by a minor without my knowledge. I have paid it in full l. Same thing happened with XXXX. Small account but hurting my credit

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 2023-08-09
Company: Experian Information Solutions 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:
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 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 explanation
Consumer complaint received 2023-07-16
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 advised the credit agencies that my personal information should be reviewed & corrected. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

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 2022-07-22
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:
There are fraudulent account on my credit report that I did not file.

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 2021-06-16
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Consumer Financial Protection Bureau, The following information is what I faxed to Citi-Card Bank over my Billing Error Dispute with XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, in the amount of {$4300.00}. This dispute was originally opened on XXXX, and is still under review to this day ( over a year later ). I have attached several statements that will verify that this dispute has been re-opened and under review since XX/XX/2020. 

I received charges for goods that weren't delivered as agreed, by XXXX XXXX XXXX XXXX XXXX XXXX. Citi-Card 's lengthy and inadequate/poor/misguided investigation has resulted in a clear violation of The Fair Credit Billing Act. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear Citi-Card Billing Disputes, I paid for an expensive XXXX XXXX XXXX ( Seasonal Energy Efficiency Ratio ) Heat Pump and Electric Indoor Furnance, as stated on the invoice shown below. 

XXXX XXXX ( Sole Proprietor of XXXX XXXX, XXXX XXXX  XXXX ) installed a cheaper, much less efficient XXXX XXXX XXXX Heat Pump and Electric Indoor Furnace on XXXX. I clearly did not order this model of XXXX Heat Pump and Electric Indoor Furnace.

The attached documents fully supports my position. 

I still have not received the more expensive super-efficient XXXX XXXX XXXX Heat Pump and Electric Indoor Furnace, that I paid-in-full for on XXXX. Our texted correspondence ended on XX/XX/2020. 

XXXX purposely installed the cheaper, less efficient Heat Pump and Electric Indoor Furnace, assuming that I would never notice the difference. If I hadn't filed for the AEP rebate and been denied it, I probably would have never realized that he took advantage of me. 

This XXXX XXXX Heat Pump and Electric Indoor Furnace that XXXX installed versus the XXXX XXXX Heat Pump and Electric Indoor Furnace ( that I bought ) will prevent me from saving an additional $ XXXX $ XXXX on my electric bill over the expected 15-25 year lifespan of these two ( 2 ) units. 

Please notice the invoice I paid and the description of the Heat Pump listed is XXXX XXXX. XXXX changed the invoice through the Joist Application, back to a XXXX XXXX Heat Pump, around XX/XX/2020, once he found out I knew that he had scammed me. 

Thank you for your assistance in this very important matter. Please don't hesitate to call or email me if you have any questions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Cell # 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 2021-06-16
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I was a victim of fraud and sent Experian a police report in regards to the items that weren't mind. They initially deleted all of items on the police report but placed a discover account back on my report. I immediately informed them of this and they told me they were unable to block discover on my credit report again.

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 2023-08-09
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 'S XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX SAVINGS XX/XX/2022 XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX SXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX 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 2021-06-16
Company: I.C. System, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This morning ( XX/XX/XXXX ) I got a notification from XXXX that a new collection was added to my credit report on XXXX. Since I am trying to prevent any new collections to my credit and trying to fix them before they get to this point, I went to this right away. The collection showed up as I.C. System, Inc XXXX XXXX. XXXX XXXX, XXXX XXXX MN ) for an amount of {$100.00}. No other information showed up for the business I owed the amount to, date of services, or anything. I didn't recognize anything and knew I had never received any documentation from I.C. System for any collection activity. I looked them up right away on XXXX and contacted them to see what they could provide in terms of who I may have owed, when they would have sent me any information about it, etc. I called XXXX this morning ( XX/XX/XXXX at exactly XXXX XXXX  central time ) and spoke to someone who asked my name a few times and where I was located then put me on hold and transferred me without telling me why. I was then transferred to XXXX who again asked me the same questions and then told me she could not find any account for me. I asked if they would be removing this account from my credit report since there was no information on me and she said she couldn't do that. The incorrect information will be staying on my credit report even though it is not my account. I am assuming that it is just a matter of time before it is added onto the other 2 credit reporting agencies and lowers my score on those as well.

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 2023-02-05
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX Wells Fargo XXXX XXXX into becoming default on my mortgage, and then refused to help me, and stole my home. 
When I first asked for assistance and proved why I needed it, they told me I would not qualify for a loan modification until I was in active foreclosure. 
They suggested that I become default on my loan, and then they could help me. I did what they said, and then they told me they wouldnt help me and I didnt qualify. At that point they informed me that I needed to pay all my back payments along with late fees. 
Obviously I could not do that since I was begging for a loan modification in the first place. 
These conversations were recorded, and when I asked them to please go back and listen, they told me they wouldnt unless I had the exact date and time of call. 
Wells Fargo set me up to steal my house, and at the time I complained, but they continued to lie and the complaint was closed. 
Apparently they were recently sued for these very practices that I am speaking of. I would like to see if my situation can be added to the lawsuit as it is very clear now that they were setting people up to fail, and I was one of them. I lost my house and had to file for bankruptcy because if it. 
Thank you for this consideration.

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