BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX Violated my Rights ; 15 USC 1681b ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( I gave no written no Instructions to XXXX! ) 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1604 ( F ) ( 2 ) b- Disclosure guidelines ( B ) The extent to which the requirements of this subchapter complicate, hinder, or make more expensive the credit process for the class of transactions.

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 2023-05-11
Company: Self Financial 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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.

46.1K 485

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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: Information belongs to someone else

Complaint:
I WAS REVIEWING MY RECENT CREDIT REPORT AND THERE WERE ACCOUNTS WHICH ARE NOT MINE. I HAVE NEVER APPLIED TO THESE CREDITORS, I'M NOT RESPONSIBLE FOR ANY OF THESE DEBTS, I HAVE NEVER SIGN CONTRACTS OR AGREEMENTS WITH THESE COMPANIES.

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 2023-05-31
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my recent credit report, I noticed an inquiry from XXXX XXXX XXXX XXXX XXXX, which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.

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 2021-12-27
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX I have CONSTANTLY been in contact with the Furnisher for a year and still no response on this FRIVLOUS DEROGATORY MARK appearing on my reports I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 2021-01-26
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following items are located on my credit report and does not belong to me. Please have them provide proof of ownership. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: The Aligned Company DBA Extra
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was using a credit building app that links a secured credit card to your bank account, so you could only spend money that you have. 
I was trying to access the credit monitoring fubction of the app. So I inputted my personal details like name, DOB, SS #, etc. After that I was met with questions about my credit history from years ago, with the earliesr being from 2018. I am a XXXX XXXX XXXX right now, and the only credit history I have is when my mother used my credit details to try and build credit for me. But it was so long ago that she doesn't have all the data of those credit purchases, so I'm unable to complete that part of my account and is unaccessible by me, even though I'm on a paid subscription.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Never got my debit card in the mail

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 2023-05-31
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$6600.00} XX/XX/2019 My name is wrong on the credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that are not mine : 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 INQUIRIES NOT RECOGNIZED XXXX, XXXXXXXX XXXX XXXX Employers I have never worked for : XXXX, XXXX XXXX 15 U.S.C, 1681section 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 an 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 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 2023-05-11
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 am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Self Financial Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Inaccurate payment history was reported by SBNASELFLNDR Account number XXXX. It all began when I requested a credit report and I SBNASELFLNDR that SBNASELFLNDR bank reported 30 days late on my credit report, I immediately called SBNASELFLNDR to find out, and they said that I needed to pay the full balance off and they would remove their inaccurate information. after paying the full balance off, SBNASELFLNDR the bank didn't improve inaccurate information. I have contacted all 3 credit bureaus, XXXX, XXXX, and XXXX several times, they were all repeating that I need to submit a dispute with them, after sending them many letters, I haven't heard anything from them. Then I decided to send a letter to SBNASELFLNDR bank to improve my payment history as I have never been late. I their mistake. In XX/XX/2023 I checked my XXXX credit report and I didn't have any late payments reported on my credit report. After a few months, the 30-day late payment again appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have recently done an investigation into my credit report and I don't believe the credit reporting agencies are 100 percent accurate and so I would like this account removed. 
In accordance with Fair Credit Reporting Act XXXX  Account # XXXX US DEPT OF ED, XXXX XXXX XXXX XXXX XXXX, PA 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Afternoon On XX/XX/XXXX I Received a call from a so called Process Server claiming they had Court Papers in my name that need to be served to me. She claimed that she didn't have much information on this Debt  as the documents were sealed, and she asked if she could deliver them to me at around XXXX on that Friday, and I said no I won't be around. She then stated that I need to call this toll free number and reference this Case # to them. So, once I hung up I reached out to them. I got someone that picked up and said Law Firm and his name. I tried to ask the gentleman that i was talking to questions and he was very nasty and was getting loud with me and was claiming I owed 15,000 on a charge for a XXXX. I tried to get names and information on this debt and he couldn't tell me. I then hung up and called the police, and the police department stated that this sounds like fraud. He gave me some information on what I should do and I hung up with the officer. I then tried to call back a second time to that debt collect. When I called was the same thing. He said Law Firm and his name. So, I proceed to say may I get the name of your Facility and a address so I can send some information to you to get a better understanding on this so called debit I owed and I am going to the police. At, that point he started to yell at me and scream at me that I keep charging and charging on a credit and never paid it back and you can go to the police and tell the police department the card XXXX. I said I want to figure this out and understand what we are talking about I said I am not trying to fight with you but your getting nasty with me. HE then transferred me to another guy who was a little more calm but very abrupt with me. He stated that i am being Sued for a credit card about of 15,000. I asked him who the debt collector was and all he could say was First USA Bank / Chase. He then said that I was paying on this card back in XXXX and I stopped and then it went to collection which hes said that they attempted to send me notifications on this but Ignored it and it was sent to Fraud. I said how is that possible there is no such thing to do that. So, he then started talking over me getting more abrupt that he will now just send this to a Judge and they will garnish my pay and bank accounts. I tried to ask to get a phone number and a address of the person that is pursuing this debt and said I didn't need that it wasn't necessary and I said what address was the collection letter send to in XXXX and he could tell me that either. I said then serve me paper

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wellsfargo closed an payee account XXXX took money out my acct. I contacted them n they put it back than a month or 2 wellsfargo took the money they put in my acct & made my acct overdrawn and than they closed it..

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 2018-09-19
Company: EQUIFAX, INC.
State: NY
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 sent 2 letters disputing what was on my reports. The first response from them only stated that they verified the accounts but they did not show how they verified the accounts. I sent letters to the creditors as well who did not show any information as to how I owe them. The first letter was received on XX/XX/2018 By all 3 bureaus and the second letter was received on XX/XX/XXXX by all 3 Bureaus. The letters were sent through certified mail. The items in dispute are XXXX XXXX for XXXX, XXXX XXXX for XXXX, XXXX XXXX for XXXX, and XXXX XXXX  for XXXX. It has now been over 60 days since I started to try and get this handled with no results. The Bureaus are not following the laws that state that each account must be 100 % verified to be placed on my reports. They also are not sending the information in which I requested which is my right. The letters will show what I asked for. This is hurting my credit and my ability to do business. The letters I sent to the creditors also did not show any evidence as to how I owe them. So how can the reporting agencies say that they verified the accounts to 100 % accuracy if the creditors can not do that?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My complaint is against CACH , LLC. I won a judgment against them in court on XX/XX/2019. They were unable to substantiate their claims against me. XXXX and XXXX both removed CACH from my credit report. However, XXXX  is still showing the debt. It is imperative that I get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EdFinancial Services
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: Account information incorrect

Complaint:
My Account with Edfinancial was paid off on XX/XX/2023. As of today 's date, XX/XX/2023, Edfinancial is refusing to report my loan status as PAID. Approximately {$11000.00} in XXXX XXXX has been paid, and they are still showing up on my credit report. I have contacted XXXX various times to let them know that they have not correctly reported my information to the Credit Bureau. They are refusing to give me additional information or cooperate with reporting my information properly. I have proof and documentation in writing with a mailed letter stating that all loans are paid, but this is as much as I have gotten.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-06
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously disputed the phone transfer costs with XXXX and XXXX XXXX XXXX XXXX The dispute was successful and all collections were removed. The collection company was XXXX XXXX XXXX XXXX XXXX XXXX The collection was officially removed XX/XX/2021. Since then it has been sold to a company names Receivables Performance. This is a duplicate of an item previously disputed and should be removed from 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 explanation