BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: GA
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 have been sending letters and reporting constantly for almost an year now and this problem has not gotten fixed, XXXX XXXX XXXX is reporting on my credit profile and all information is inaccurate even with the very first letter i received from them their information is and was inaccurate and inaccurate information reported on the credit profile should be removed immediately and not replaced back on the credit profile. 

XXXX XXXX XXXX purchased debt from XXXX XXXX XXXX XXXX, A debt that has been reported to the IRS As a complete CHARGE-OFF, i was allowed out of my lease due to harmful mold as i have all emails to prove that statement and it will be attached to this complaint, I demand XXXX XXXX XXXX To be removed from my credit report Immediately and not be placed back as they are violating several consumer laws as i stated. i have already sent letters to validate and all came back inaccurate and not within the 30 day i had given credit bureau please remove NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: CA
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 explanation
Consumer complaint received 2021-07-15
Company: NATIONS LENDING CORPORATION
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for cash out- refinance loan on XX/XX/21. I wanted to take out approximately {$40000.00} in equity and refinance my current note to a 15 year term. Prior to formal application, I spoke with the loan originator for XXXX XXXX on XX/XX/21, to explain the particulars of the loan request. I have an underage minor listed on my deed. I asked if the XXXX XXXX, if in fact they could complete the transaction with the underage minor on the deed. The loan originator spoke with his XXXX. The XXXX informed the originator that XXXX XXXX could in fact move forward with financing and that XXXX XXXX would be XXXX creative XXXX in completing the transaction with the minor on title. To date, an appraisal was completed on the property on XX/XX/21. On XX/XX/21, I received a text from the loan originator was informed that I would need to remove the minor from title before the loan could proceed to closing. Further as a result of the hard pull of my credit, my current XXXX XXXX has decreased and I now have a poor credit rating. So in addition to false representation of services, I am out an appraisal fee of {$520.00} and a low XXXX XXXX. Finally, I am in a majority minority community the XXXX low balled the value of my property and when I notified XXXX XXXX of such there was no 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 explanation
Consumer complaint received 2020-02-10
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:
XXXX XXXX XXXX # XXXX is reporting an account to Experian that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a XXXX XXXX case and got a restraining order, this account is his but is still reporting on my credit and needs to be removed.

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 2018-02-16
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I made multiple purchases on several occasions in XXXX to a company called XXXX. They charged my bank international fees and every fee was drafted and paid correctly out of my Iberiabank account. Now 2 weeks later XXXX double charged me all those fees again for no reason ; I have not made any recent purchases. Because of this my bank account totaled {$640.00} in the negative. I called Iberia bank and asked why they allowed my account to be double charged and if they would demand the money back from XXXX that was stolen and they said it's not their fault and not their problem. They also said I would be charged {$35.00} per each debit that was overdrafted which now leaves me over {$1000.00} in the negative. I have bills that I desperately need to pay and I can not because my account is so far in the negative. I can not pay for the money that was stolen by XXXX and I don't believe I should have to. My bank should have stopped all the charges because I don't even have overdraft protection.

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 monetary relief
Consumer complaint received 2020-07-20
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I notified all three bureaus of inaccurate data reporting for the payment history on my credit file For XXXX XXXX XXXX Account # XXXX. XXXX   saw they were reporting inconsistently and removed the error. XXXX and Equifax failed to do an actual investigation into the matter since they are still reporting data which isn't consistent which makes it inaccurate because they get the data from the furnisher. XXXX   is reporting a 30 day late in XX/XX/2020 and Equifax is reporting a 30 day late in XXXX they both can't be accurate. While I am writing I should include the other inconsistencies as well The last payment reported for XXXX is XX/XX/2020 with Equifax saying XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
When XXXX hit my wife and I looked into mortgage payment deferral with Wells Fargo. She was temporary out of work. But we did not sign up for it! We continued making out payments and discovered we had Forbearance on our credit from Wells Fargo. We have since asked them to remove it and they have not stating they needed to do an investigation before they could remove it. This is unacceptable!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: First National Collection Bureau, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX at XXXX I received phone call from First National Collection Bureau saying I  owe over {$23000.00} in a XXXX debt on a credit card that was not my debt. He used threatening words saying I failed to appear in court and was attempted to be served 3 times under the wrong name. He asked personal questions that had nothing to do with a debt. I asked to speak to the fraud department numerous times as well as asking for a manager.  He did not give me a number and continued to use threats of FTA and arrest. He gave me a supposed court docket number that wasn't accurate as I looked it up on the public judicial site in my state. Hoping to get some assistance as to what I can do about this issue and hopefully help others who may be going through something similar.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello there, I was told that I get free credit report and after filling out each sensitive information on XXXX I was diverted to TransUnion website where it asks for credit card information before giving my credit report. I don't want TransUnion to have my credit card information, and I should not be asked to enroll their {$29.00} auto enrollment trap set up for consumers like us. Nor should I be required to call their customer service to get the report I deserve without investing an hour of my life. 

Please help me and people myself. 

Sincerely thankful for your service, 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 2023-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/23 Amount XXXX atm withdrawal at a gas station in area that I have never gone to. 
closed card and received new one. 
XX/XX/23 Amount XXXX atm withdrawal at nail salon on same block, also I never have gone to this establishment. 
XX/XX/23 Amount XXXX atm withdrawal at same gas station that I do not use Closed card again changed pin at this time. 
XX/XX/23 Amount XXXX atm withdrawal at pizza place in same block as other 3 charges. 
Closed my checking account on XX/XX/23 Bank of America is denying all claims essentially saying I gave my card to someone which I did not do. What recourse do I have? They will be withdrawing all monies from my account soon, a total of XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the charge off accounts associated with my credit report. The charge off accounts in question are from XXXX and XXXX XXXX with account numbers XXXX and XXXX respectively. 

I am not aware of any delinquent payments or actions that would result in these accounts being charged off. I have always made payments on time and in full, and have never received any notifications of missed payments or other issues with these accounts. 

I request that you investigate these charge off accounts and provide me with a detailed explanation of the circumstances surrounding their creation. Additionally, I request that you remove these charge off accounts from my credit report if they were created in error. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2021-06-06
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:
I checked my credit report and had two inquiries I did not make or approve and I received two phone calls from XXXX XXXX in XXXX, NC. on XX/XX/2021. The credit reports were from XXXX XXXX, XXXX XXXX Bank, XXXX bank of Delaware on XX/XX/2021. Im going to contact the company and report these fruadulent inquries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: CCS Financial Services, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is trying to collect something I simply have no knowledge of and believe they are attempting to scam me. I'm a 100 % XXXX veteran and live on a fixed income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Credit Bureau, Please help. I noticed that the Bankruptcy Docket XXXX is on my credit report and I demand that you remove this public record off of my credit file. I 've written several letter to Transunion about this issue and Transunion have not resolved this matter. Transunion destroying my credit and score due of this error. XXXX and XXXX has already remove the following information. The bankruptcy court does not provide any agency with the debtors Social security number or informing them of bankruptcy filing unless it is specified on your bankruptcy petition. Please completely remove from my credit file. 
According to The FCRA, Section 609 a ( 2 ) I am requesting the following information as proof your company used of process to verify the bankruptcy and if Transunion are unable to provide it, the bankruptcy must be deleted. Transunion must disclose the source of the information such as the following. 
( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute.

Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information not with a third party source such as XXXX, XXXX or XXXX XXXX. 
Credit Company are not allow to use third party source such as XXXX, XXXXr or XXXX XXXX Transunion when verifying accuracy on consumer Again not disputing the accuracy. Disputing whether Transunion broke the law by verified all information via furnisher, not by third party source such as XXXX, XXXX or XXXX XXXX Transunion hired to collect such information. If so please proof of the information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: DC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 1

5 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 informat
ion relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief