BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2019-04-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been attempting to secure financing on vehicle and the financing company uses Equifax. There is a fraud alert on my account due to the Equifax breach years ago. On the first credit inquiry the financing company told me the phone number is incorrect and I contact Equifax XX/XX/XXXX and was told to fax in to forms of Id and pertinent information on my phone numbers. I did that the 2nd week of XXXX. The financing company attempted another credit inquiry and got the same results invalid phone number a week latter. I contacted Equifax again and was told they could not read the driver license and to mail in a copy. I did that the same day. Again the financing company recieved an invalid phone a week later. I contacted Equifax again on XX/XX/XXXX. I was in XXXX 5 streets from their corporate headquarters and volunteer to present my driver 's in person. They told me I had to mail in my request. So I went to the Post Office in thier same zip code one block from their office and mailed the second letter on XX/XX/XXXX. The finance company continue to receive the same invalid phone a week later. I again contacted Equifax on XX/XX/XXXX and again was told the only recourse I have is to mail in my request. I again went the same Post Office and mailed my third request in to Equifax. This financing based based on some incentives from the car manufacturer, which I'm now going to lose due to the inability of Equifax to process one of my 3 attempts to supply my driver 's licence by mail. I would like a review to be completed on their inability to process mail request and reimbursement of the funds I have lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I sp ent two d ays preparing documents i faxed and mailed out an agreement form at that time because i needed help. I sent the infirmation again. They claim they couldnt help me. Which was just the opposite of the verbal and written notice. Navient is the name of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 non-monetary relief
Consumer complaint received 2017-09-29
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: Information belongs to someone else

Complaint:
XXXX XXXX,2017 somebody Opened account for {$1000.00} usd from XXXX XXXX and was not me, My credit score got down from XXXX to XXXX in equifax only, for that reason

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello, Submitting a claim against Commenity bank for threats, repetitive calling and harassment. 

This company to date has called me more than 7 times in one day, and have called back to back. I'm well aware of the debt and tried to fix this with them a month ago when the employee who was trying to help me left me on hold for more than an hour, i have XXXX and don't have the energy or time to wait for someone to attempt to help me payoff a debt so i hung up. Since this date, i have had calls nonstop and its harassing me to the point i silence my phone XXXX. The calls start around XXXX XXXX, and have ended at XXXXXXXX XXXX XXXX XXXX 

XXXX - XX/XX/2022 Commenity bank called from XXXX at XXXX, then XXXX, XXXX, XXXX. 
XX/XX/2022 - XXXX, XXXX, XXXX, the XXXX This goes on like this for days since XXXX. 

AS of today XX/XX/2022 - i answered the phone at XXXX from ( XXXX ) XXXX to try and clear ip the debt, however, the lady on the phone, was rude and aggressive and told me i will need a lawyer if i don't clear this debt today XXXX {$290.00}. I attempted to explain my father XXXX XXXX XXXX XXXX and that i too was XXXX  and she cut me off, so i saw we were getting nowhere with her disgusting attitude and asked her to please call me back in roughly an hour/half at XXXXXXXX XXXX and she said, no I want and you need to clear this right now ect. i was unnerved by how nasty someone could be, why on earth would i continue the conversation if someone is threatening me over a lawyer and outright rude. I am aware of the debt and i am not going to tolerate someone harassing me while i am sick, and my father is in XXXX. People fall on hard times when they are ill and a little empathy could have helped this company go a long way. 

I have screenshots of the numerous calls in one hour, and recorded the rude, nasty lady over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My Court ordered Bankruptcy was not protected. Discharged accounts were sabotaged taken and sold by bankruptcy debt buyers. The suspects go by the name of XXXX XXXX. XXXX XXXX  XXXX XXXX, NJ XXXX also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX This company is mysteriously listed in my bankruptcy. Chapter XXXX discharges all debt however the company is listed in a XXXX after that. And I never owed that company anything. The company is a bankruptcy debt buying company with the main interest in chapter XXXX and XXXX debt only. ( if proper authorities investigate they will discover the same truth ) I have become a victim of a very serious crime of unlawful and unfair credit reporting with my rights being taken away by not being able to utilize the full benefits of a court ordered bankruptcy. My entire credit report has been sabotaged, scores intentionally kept low and as a result trying to rebuild has become virtually impossible. 

I know this can not be fixed, when reporting agencies intentionally report mistakes and have to fix them they almost never ever compensate the score and what was lost so I know the scores will forever be damaged. 

I am requesting the Chapter XXXX and chapter XXXX bankruptcies be removed from my reports completely. None of those discharged debts should have been left on the report for this to happen. My son just filed a chapter XXXX bankruptcy, no crime has been committed, the suspect bankruptcy debt buyer 's name is not listed in his case and all his debt has been properly removed from all three credit reporting bureaus! His bankruptcy debt has not been bought and sold. No worries of discharged accounts actively showing or inaccurately reporting. Discharged debts are a court order it is a violation to continue to report and furnish such debt as charged off, collections, lates and derogatory like you clearly see on mine. The courts ordered them discharged not derogatory ...... I will see that justice is served and I am compensated for all the damages. I have a whole stack of credit denial letters listing I have charge offs, accounts with high and unpaid balances, collections and derogatory accounts. While my credit reports furnished from XXXX, Equifax and XXXX XXXX state otherwise. The reports were altered for what they wanted me to see. all positive reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: American Coradius International LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft. XXXX was one of the credit cards that were fraudulently taken out in my name. I spent hundreds of hours trying to correct it. They would not cooperate with Sheriffs Dept until they were threaten with the state attorney. I had to get a lawyer before they would take it off my credit report. This was around XX/XX/21 Then out of spite I'm guessing they sold this off to a credit collection agency. I was notified around XX/XX/XXXX of this year by ACI that I owed money on this debt again of identity theft! I explained to them I did not owe them. I was hung up on. And harassed me repeatedly. They called family and friends telling them about my file! Recently found out they hit my credit with this debt again after it was taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 im XXXX  now.with no help.

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 2023-10-06
Company: WELLS FARGO & COMPANY
State: FL
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 had my account set up where if there was not enough money in my account, it would have declined a purchase. they continue with the purchase and left my account overdrawn and applied the fees for the overdraft.

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 2022-09-13
Company: EQUIFAX, INC.
State: IL
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/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
This has caused me tremendous anxiety, stress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6000.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX  XXXX Date opened XX/XX/XXXX Balance {$410.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, XXXX, I disputed inquiries from XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, which were added to my Equifax report on XXXX XXXX, XXXX & XXXX XXXX, XXXX. This is due to fraud because I did not apply to any of the cable companies in XX/XX/XXXX. However, Equifax insist that the inquiries are factual, which is false. For instance, XXXX is no longer listed as active. I googled the company, & the company seems to be out of business. Also, I tried to contact the other inquiries, & they are hard to get in touch with too. Plus, Equifax finished the investigation the same day I disputed the inquiries, which means they did not investigate the inquiries. If I had difficulties contacting the inquiries, & still have not received a response from any of them, then that means, Equifax gave me a false report because they did not verify the information. They are required to remove ( or block ) any unverifiable & inaccurate information from a consumer 's report, especially fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2022-09-23
Company: Experian Information Solutions 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:
In accordance with the FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX has violated my right under 15 USC 1681 section 602A and 604A section 2 and 15 USC 1666B View attachments below

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 2023-10-07
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given XXXX American Express XXXX XXXX in the past year at work, one for {$75.00} and another for {$100.00}. I now have {$9.00} left on the {$75.00} card and {$22.00} on the {$100.00} card, but because neither card can be " split '' with my XXXX card to cover an online purchase, I'm having trouble using them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Have 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

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 2022-09-13
Company: EQUIFAX, INC.
State: IA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation