BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: MA
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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 am a victim of identity theft and I have filed a Identity theft report regarding personal and credit information appearing on my consumer report that are not transactions done by me nor to which I received any benefits.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the failure of XXXX, TransUnion, and XXXX to provide a timely response to my credit report disputes. On XX/XX/2023, I sent certified letters to each company disputing several inaccuracies on my credit report. The letters were delivered on XX/XX/2023, with the respective tracking numbers : XXXX ( Tracking Number : XXXX ), TransUnion ( Tracking Number : XXXX ), and XXXX ( Tracking Number : XXXX ). However, it has now been over 30 days, and I have yet to receive a completed report on any of my disputes. I request the CFPB 's immediate assistance in resolving this matter promptly.

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 2019-06-23
Company: WELLS FARGO & COMPANY
State: CO
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:
Ive had severe issues with the student loan process for at least 10 years. An on going fraudulence has occurred on my student loans which I believe started with identity theft. Im unable to get resolution and require legal assistance. Ive contact every department related to my claims & accounts for the past 3 years. I only get people taking my personal & private information and telling me to pay up or else! No one will actually help me. They defaulted my loans. Triple the loan amounts for no reason. Change servicing companys often. I need them to stop harassing me. Stop garnishing my wages. Stop taking my tax returns that are ONLY CHILD TAX CREDITS. Stop ruining my credit so I cant even have a place to live. The lenders dont answer the phone. I called Wells Fargo to inform them of how the loan was being processed and was transferred three times.  What is that about!?! Sounds like a problem! 

I HAVE ALREADY COMPLAINED TO YOU! I have already filed complaints. I have already been in this loop of shame!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX acct XXXX XXXX Account name : XXXX acct XXXX XXXX Account name : XXXX XXXX XXXX acct XXXX XXXX Account name : XXXX XXXX  acct # XXXX Account name : XXXX XXXX acct XXXX XXXX Account name : 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 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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Once again for the third time submitting these violations inaccurate information on my credit report to transunion demanding transunion to remove account name : XXXX XXXX XXXX XXXX XXXX  from my credit report transunion has allow account to violated several of my FCRA rights, I submitted documentation of this account pay and full as agreed by collector on letter head that has identified there self collecting a debt for XXXX XXXX XXXX XXXX XXXX the documention show and identify who was paid as agreed the original debtor and this debt has been resolved by both parties including XXXX XXXX  which has collected the debt. Reading the fine print of this documentation clearly states this debt is resolve and is pay and full as agreed. 
This information also provided states Im know longer connected to any debt with this account and this account is pay and full as agreed by collector on letter head who has shown who they are collecting the debt for. which is XXXX XXXX Either remove this account and remarks or update this account as pay in full as agreed under my protected rights, if this account do not be removed or update to a pay in full account with no remarks as agreed, this account will be in violation of 15 U.S.C. 1692e for misleading me as the consumer knowing the debt has been paid as agreed Knowing the collector sort a debt out stating they collecting a debt on the behalf of XXXX XXXX which result in several violations on transunion as well, this account is also past the 30 day expiration for investigation again. which transunion must remove this account - or update a pay and full account with no negative marks, no charge off remarks on my credit report link to this account, as instructed also as show on documentation its paid. 


15 U.S.C 1692j section ( a ) 15 U.S.C 1692f under 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with 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 explanation
Consumer complaint received 2017-06-21
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Did not receive any correspondence of my right to dispute this debt prior to it being place on my credit report. Continued attempts to collect debt not owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: SC
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:
Delete the Hard Inquires listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am not sure of dates but the amounts are ridiculous and the hard and soft credit inquiries arent accurate either.

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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first establishedXX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2022-11-25
Company: Experian Information Solutions Inc.
State: SC
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than - business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2018-03-12
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-07-14
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez took over my mortgage from XXXX on XX/XX/XXXX. I had on multiple occasions requested that XXXX NOT escrow my taxes. I received a statement for the full amount including escrow due XX/XX/XXXX XXXX {$2300.00} XXXX which I sent to XXXX before XX/XX/XXXX. 
NewRez did NOT set up my account for escrow. They had a Regular Payment amount of {$1200.00}, creating a difference of XXXX. 
On or about XX/XX/XXXX I spoke to XXXX at New Rez. She was going to request the refund of {$1000.00}. 
When I did not hear back or receive the funds in my checking account, I called again. 
On XX/XX/XXXX, I spoke to XXXX XXXX. He saw the same info and was requesting a refund IN MY NAME ONLY. 
On XX/XX/XXXX I spoke to XXXX XXXX. Again I was promised that the funds would be deposited back into my account within 3-5 business days. 
I called on XX/XX/XXXX and spoke to XXXX XXXX. She said the requests were denied by the payment processing group since the funds being requested for refund were over 30 days old. My payment had been applied to the principal of my loan. I explained that I NEED the funds to complete my real estate taxes. She was escalating this to her manager or to the payment processing group. 
On XX/XX/XXXX I called and spoke to XXXX XXXX. He was sending it again to payment processing with a note that I had started the request well within the 30 day window. 
On XX/XX/XXXX I called and spoke to XXXX XXXX. They are refunding the XXXX that they have escrowed towards homeowners insurance. ( I did receive this check payable to me and my deceased husband whose death certificate has been on file with them, but that is another story. 
I received a phone call from XXXX XXXX XXXX. I dont have this date written down, but it may be XX/XX/XXXX. He was going to get the {$1000.00} put into my bank account. He asked for this information regarding bank routing number and my account number ( had previously been supplied to numerous contacts in his company ). 
The second installment of my taxes is due XX/XX/XXXX. I am counting on this money to complete my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company has failed to Block reported information related to identity theft identified by myself the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: DC
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 was a victim of Identity theft and I want this account to be removed. I have tried to work with the company and the credit bureaus to remove this but XXXX refuse to conduct a proper investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Bread Financial Holdings, Inc.
State: AL
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- ( account number on my report shows : XXXX ) is reporting an account on my credit report. I just noticed it 2 years ago when I had my credit pulled recently. I have never received anything from this company nor did I ever apply for this card. 
I am XXXX years old and a widow and I NEVER go to these types of stores and haven't since I was in my XXXX.. What would I need a store like this for? I can barely walk let alone go shop for underwear. 
When I was in a XXXX in XXXX of 2014 I had my identity stolen and several accounts opened under me. I have a police report and even went to court regarding the theft of my identity. 
I don't know why someone would do this to me. My husband worked at the XXXX and XXXX XXXX and he past away, I don't have any kids or family and I am stuck fighting this stuff that is absolutely not mine. Please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
XX/XX/2020 I filed a dispute as I noticed fraudulent charges to my checking account and a credit card in my name. After contacting XXXX XXXX, where the transactions were made, it was made clear that my card was stolen and used without permission. My credit card company took action immediately and the charges were reversed. My bank SunTrust did not take action, nor did they reverse the charges so I filed a XXXX  complaint which is still ongoing as they refuse to do anything to rectify this matter. They only issued a new bank card to me following the initial dispute. Over 3 months later, they refuse to fix the situation even following a response from XXXX XXXX stating that if the charges were disputed by my bank, they refund the money per the decision made by SunTrust. The charges to be refunded total {$710.00} and this is completely unethical or legal what is going on at this point. This is money that I need for my bills and it was taken from me fraudulently and my bank who I have been with for a very long time should not be able to do this when XXXX has made it clear on multiple occasions now that they would refund the charges at SunTrusts request from my dispute.

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 2018-10-03
Company: Advance America, Cash Advance Centers, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I never opened the loaned. I had someone who opened accounts and stuff in my name without my knowledge. Police report has been made and she has confessed.. I will send the later stating what she has done. I do not want payments coming out of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Information reporting not my info

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