BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-20
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: Investigation took more than 30 days

Complaint:
I am writing you a formal complaint against Equifax, in regards to their company not following a well established laws of the Fair Credit Reporting Act ( FCRA ). See ( SECTION 609 and 611 ( a ) ( 1 ) but not limited to. Given the fact that more than 30 days had expired, ( XX/XX/2020 - XX/XX/2020 ), and no proof was given validating the accuracy of the accounts encompassed in the four corners of my document, everything must be removed from my credit report. See ( attached dispute letter, certified mail receipt, but not limited to. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting that I was late XX/XX/2016, this reporting is not correct. I have tried disputing it with the major bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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 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 XXXX 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 XXXX 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 2022-04-26
Company: ERC
State: AR
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:
In accordance with the Fair Credit Reporting act XXXX Accounts 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. 



XXXX XXXX XXXX Account # XXXX Original creditor : XXXX FS 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 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 2017-12-26
Company: Continental Services Group, Inc. d/b/a ConServe
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: Account status incorrect

Complaint:
I have paid my account in full I received a letter stating it would be removed and still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: WELLS FARGO & COMPANY
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:
On XXXX XXXX, 2017, Wells Fargo has posted incorrect information to credit bureau stated that my " Wells Fargo credit card account does n't paid on time as agreed, proportion of balance to credit limits on Wells Fargo bank is too high ''. This incorrect information is damage my credit score which I am unable to obtain credit cards.

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 2020-02-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently checked my credit report, and noticed there were multiple reports of delinquency on an account. The account noted there were 9 missed payments. All of my current loans ( student, and auto ) are set up on auto pay- so I know this was something I was unaware of. The account provided a phone number, and I called this number and found out it was a Perkins Loan offered by XXXX University. I called the Bursar 's Office, and they provided me with the account information. The incorrect information was as follows : Notices were being mailed to incorrect address ( House my family moved out of over 5 years ago ), Incorrect phone number to contact ( Not even close to my current phone number, nor anyone in my family ). I have access to my university email, and there was no email sent requesting payment, loan info, account info, etc. Had I not checked my credit report, I would not have found this error and continued to miss payments. XXXX University has had all of my current information on file ( Billing purposes, for student personal documentation/ etc. ) but has not updated my loan information. This has caused myself to become behind on these payments, which has resulted in a negative affect on my credit score

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 2018-02-01
Company: Bread Financial 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently received my XXXX report and I noticed there is a total of 4 credit inquiries made by XXXX XXXX on XX/XX/2018 in regards to 4 of my retail accounts. XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX. I do not recall authorizing these ( 4 ) credit inquiries. I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I have been a victim of a security breach and what that said I am requesting you initiate an investigation into these inquiries to determine how this inquiries were requested and processed. I ask that these inquiries be immediately removed from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, please send me written proof of this and a detailed explanation of how.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Accounts were opened under my name at Truist and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is XXXX XXXX. This is a statement verifying my identity, along with my proper identification. In accordance with 15 USC 1681 ( h ) I would like to receive correspondence to the below address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any future correspondences from this day forward is coming from me. 

Experian was sent a letter disputing information being reported on my consumer report from me and was received by the company on XX/XX/2022. 

Report # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
These credit bureaus have been contacted several times regarding an inaccurate address on my credit report, in order to have it removed from my credit report. When I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC, or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to the FTC and still, they didn't delete the inaccurate address from my credit report. This inaccurate address is causing me issues, because not all of my mail is coming to my address, and it makes me susceptible to fraud, to which I have been a victim of before.

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 2017-09-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX See current reporting statements below on XXXX and XXXX  Reports from XXXX XXXX site. Many inaccuracies reported.. Reports different information to different bureaus. Experian not available. 

Line of Credit {$8000.00} ... Correct. Incorrect states I owe almost {$18000.00} for excessive interest and fees. How? Account has been closed for years. 

Reports to bureaus 3-4 times XXXX, no report XXXX, or XXXX and now reporting again XXXX. Same company Reports no past due On one bureau shows none due as minimum payment '. The other bureau owes monthly minimum payment {$9900.00}. ( yes, this is not a typo ) Acct open XXXX and Last Payment XXXX ... probably correct. 

-- wife loss job in XXXX ( not her acct ) and I have not worked since XXXX both of us are XXXX, Company has called leaving various voice mails not disclosing they are debt collectior on my wife 's cell voice mail. Last call XXXX left message stating they were XXXX XXXX ( not giving name of their company ) and calling about a claim ( no mention of debt collection on voice mail ). She called back about claim and what was this about. Talked to my wife about my account without my permission. She is not a co-borrower on account. Threaten my wife to seize my XXXX and wife ; XXXX XXXX by freezing our bank account so we couldnt pay our bills so they are paid..We dont own home, do not own vehicle. We have no savings, This company XXXX XXXX XXXX State and Federal Laws -EOCA -The Card Act 2009 -Fair Credit Reporting Act Predator Credit Card Lender. Sent revisions to terms and said you automatically agree or pay account off in full.

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 2022-04-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance With the fair credit reporting act XXXX XXXX Managment Account # XXXX, XXXX XXXX XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
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 early XX/XX/XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under a new XXXX-XXXX  partnership. Then using my identity he was able to access my XXXX XXXX bank  account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, XXXX XXXX has admitted that after hearing the recordings it was definitely not me, nor my phone umber. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through XXXX XXXX had been over multiple days and involved more than 10 separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified XXXX XXXX, the branch as well as the dispute office. I have written XXXX XXXX on this issue over five times and called well over 30 times ending up with the last report being filed in XX/XX/XXXX filed with claim representative XXXX XXXX report number XXXX, contact number XXXX. I was promised resolution within 10 days and never received any further contact Beyond the {$7500.00} in losses my credit score dropped over 250 points. XXXX XXXX never notified my creditors of my fraud and I have been denied over 8 separate occasions from opening a checking account. Lastly, XXXX XXXX has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PayPal closed my account in XXXX 2017, but releases to release my incorporation 's funds. They are holding ~ {$220000.00} USD of mine for the past 5 months, and they are making us wait another month or so for the release of these funds. I had to get a loan to pay taxes because PayPal would n't release our funds. <P/>I 've tried contacting PayPal about it shortly after, but they said that my company is a 'money service business ' when we just sell gaming products and they say to email XXXX and they only give me automated messages when I inquire about it. Note that I 've used PayPal for a few years and processed over $ XXXX USD with them - this account closure was quite unexpected, and the 6 months funds holding is even more unreasonable. <P/>I 'm hoping this can be solved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2020 - provided ACH and Bank account information. O

n XX/XX/2020, an unauthorized {$6000.00} was transferred out using my ACH and account information. This is not a coincidence.

Between XX/XX/2020 and XX/XX/2020 there was no indication from Wells Fargo that they would not meet the closing date.

XX/XX/2020 - We were scheduled to close with Wells Fargo.

XX/XX/2020 - Wells Fargo began contacting me for additional financial information.

They began contacting my insurance company for insurance questions.

XX/XX/2020 - received the following email - " Currently delays are due to not receiving final approval in time to release your closing disclosure for XX/XX/XXXX close date. It was our delay in making a request for the additional assets necessary to verify post-closing liquidity reserves. '' XX/XX/2020 - They still had not cleared the mortgage They were not able to meet that deadline due to their lack of ability to complete the underwriting process.

XX/XX/2020 - seller communicates that he will cancel the contract and keep the escrow deposit.

XX/XX/2020 - Zero communication from Wells on approval XX/XX/2020 - I had to write a hardship letter to waive the 3 day right to review law. 
XX/XX/2020- cleared to close at XXXX XXXX  XX/XX/2020 - I was charged a service fee by Wells Fargo. I would like this service fee refunded.

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 2021-03-25
Company: GUARANTEED RATE INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On Wednesday, XX/XX/2021, I applied for a mortgage using with Guraranteed Rate. Currently they are having a technical difficulty where I can not link my accounts to their system allowing them to see my current account balances. Instead of addressing this issue, my mortgage application was denied today, XX/XX/2021, on the basis of having insufficient assets although I have more than enough assets to qualify for the mortgage I applied for. It is illegal for them to exclude my assets on this basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: ENCORE CAPITAL GROUP INC.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been harassed for months now by a company called Midland Credit Management and they refuse to verify the debt they claim I owe them, that have been negatively reporting to XXXX  and damaging my credit score. 

They have removed the debt from XXXX XXXX and XXXX  but not XXXX, I have reached out in XXXX and XXXX and have note received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
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:
Complaint on 2 companies : XXXX XXXX XXXX and XXXX XXXX XXXX. 

1. XXXX XXXX XXXX : ( 2 accounts ) A XXXX XXXX  XXXX - {$710.00} B ) XXXXXXXX XXXXrd- {$900.00} Description : XXXX XXXX XXXX has written, called, emailed, and has reported this inaccurate information on my credit report. I have disputed these accounts online several times. The last emails from XXXX XXXX were on XX/XX/22, XX/XX/22, and XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXXe XXXX {$770.00} ( One account ) Description : XXXX XXXX XXXX has written and called, and has reported this inaccurate information on my credit. I have disputed these account online several times. The last letter from XXXX XXXX XXXX was on XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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