BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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 XXXX  acct # XXXX and XXXX XXXX  acct # 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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. 

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 2022-12-13
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX XXXX provided me with letters to send the creditors and I did! Half the letters said return to sender and other half was never discussed! I have contacted trans union to make them aware that I am a victim of their inquiry issues! I spoke with supervisor as well and was on the phone for an hour with still no luck in getting these 28 inquiries removed that I have no knowledge of due to the fact that I have no access to ways to apply for things! Transunion also to me to get creditors to send me a letter of deletion but provided me no way to contact the creditors by phone or mail! And supervisor basically told me there was nothing she could do although she does work at transunion!

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 2023-02-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have contacted Experian multiple times regarding these addresses do NOT belong to me & that I'm a victim of identity theft, have reported this many times and told them these addresses are a part of the identity theft report and claim. They have nothing to with me neither do the accounts that are attached to them

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 2017-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 have an inquiry on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To somebody who can help me. I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. I hope the bureaus find out what's going on to and who the inaccurate information belongs to. Can you all clear this up quick. It is my understanding that you will do an investigation immediately, a new credit report that reflect the updated changes should be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Good afternoon, I bank with Wells Fargo but they still charge me a non Wells Fargo atm fee when I drive out of my way to use their teller.

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 2019-07-24
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: Information belongs to someone else

Complaint:
I recently pulled my credit report and several inaccuracies. I am a victim of identity theft and previous filled out a police report in regards to my personal information being stolen. I sent out several letters to the credit bureaus as well with accounts and information I found fraudulent but with No luck. Below I will list the accounts I found false. 


Account Name : XXXX XXXX/XXXX  Amount : {$2100.00} Account Name : XXXX XXXX XXXX - XXXX Amount : {$4100.00} Account Name : XXXX XXXX  XXXX XXXX  Amount : {$6200.00} Account Name : XXXX  Amount : {$900.00} Account Name : XXXX XXXX  Amount : {$5500.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$2700.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$24000.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$8000.00} Account Name : XXXX XXXX XXXX  Account : {$1400.00} Account Name : XXXX XXXX XXXX  Amount : {$1200.00} Account Name : XXXX XXXX XXXX Amount : {$900.00}

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 non-monetary relief
Consumer complaint received 2017-10-17
Company: Colony Brands, Inc.
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 information incorrect

Complaint:
XXXX XXXX is reportinig inaccurately on my credit report. This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-27
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:
In XX/XX/XXXX two separate accounts for the same debt of {$100.00} from my previous rental location with XXXX XXXX XXXX appeared on my XXXX, Experion, and XXXX reports under two different debt collection agencies. One, under XXXX XXXX XXXX which has now been removed as it was correctly updated to reflect that the debt had been paid as of XX/XX/XXXX ; and the other under XXXX XXXX XXXX which is still present on my credit files as unpaid. 

I have submitted disputes with XXXX starting XX/XX/XXXX, then on XX/XX/XXXX, again on XX/XX/XXXX, and most recently XX/XX/XXXX. Each time XXXX denied my dispute claiming that the information was accurate, and in some instances of their investigation, they did not take the full 30 days to come to that conclusion nor did they reach out to me to receive the documents of my proof to make a full and correct assertion to that claim. 

I have emailed XXXX XXXX XXXX twice as it relates to this, and have not received any communication back from them either time. I've called them and was told to email them with my proof which is exactly what I did, but they have yet to respond or remove the fraudulent debt reporting from my records either. 

Under 807 ( 2 ) ( A ) False or misleading representations, a debt collector may not use any false, deceptive, or misleading representation as it pertains to the character, amount, or legal status of any debt. And I am aware that under 813 Civil liability, any debt collector who fails to comply with any provision of the US Code with respect to any person is liable to such person in an amount equal to the sum of any damage sustained, which, in my case, I can show that this has hindered my application for auto leasing, as well as hindering my ability to obtain credit, and small loans since this is the only present collections on record aside from my student loans.

This has also caused a great deal of emotional distress each time I am turned down for credit or financing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. 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 non-monetary relief
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXX IM TRYING TO MAKE A CREDIT DISPUTE OVER THE PHONE WITH XXXX AND I CAN NOT GET THROUGH. ALL THE NUMBERS IVE TRIED DO NOT WORK. I CANT MAIL NOR CAN I SEE A COMPUTER SCREEN. THIS IS ABLEST AN I HAVE A RIGHT TO CALL OVER THE PHONE.YOU CANT PHYSICALLY VISIT THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: First Credit Services Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today, XX/XX/2023 First Credit Services reported a debt collection on my credit. First, I have not been notified by this collector I owe this debt in anyway, no emails, letters or phone calls. 

I do not owe this debt. Today, XX/XX/2023, I called their customer service number, ( XXXX ) XXXX, and asked them to provide me proof that I owed this debt, and they were unable to provide any evidence, however refused to delete this from my credit. I am filing a complaint, because they are refusing to remove the derogatory remark from my credit, however this is not my debt, and they have no evidence that this is something I owe. 

Prior to seeing the mark on my credit today, I have not been reached out to, by any collector in anyway. I have never received a letter, call or email to try and collect this debt. This debt is not mine and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: ID Analytics, Inc.
State: IN
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:
I recently applied for a car loan thru XXXX XXXX. I was denied thru SageStream LLC. I received a credit score of XXXX. This happen on XX/XX/XXXX. My XXXX Score is XXXX. They are using information from 10 years ago. I am not delinquent on any accounts and pay everything on time. Credit used with my credit limits are too high. Why is my score so low with this company. Never heard of them. From reading other complaints I believe this is a faurd company. I would like this searched into. It is effecting my credit I have worked so hard to rebuild

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EdFinancial Services
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have previously submitted a complaint regarding this company, complaint number XXXX. 

Background : Earlier this year, my loan servicer EdFinancial switched to a new online platform. I have received several e-mails informing me that my account and loans had been transferred to the new platform, and inviting me to register. However, I have been unable to do so. For unknown reasons, when I have attempted to register and login to my new account, I consistently get an error message. I have contacted customer support multiple times and worked with different agents, who have been unable to explain or rectify the problem. One even passed me on to their manager, who was also unable to help and could not suggest how to resolve the issue. This means that my only method of paying my student loan ( XXXX XXXX XXXX XXXX XXXX XXXX ) is to pay via 'online chat ' with a live agent, which is time consuming as each agent insists on trying to fix the above problem prior to accepting the payment, despite me explaining nothing has worked thus far. There are also times, like the last week, where online live chat has been unavailable and I have not been able to make an online payment. Of course I am concerned about not being able to make timely payments because of issues which appear to be on their end. 


Update : Since submitting the complaint, a response from EdFinancial was received asking me to screenshot an image of the error message I'm receiving and to send it to them. I sent a message to customer service and have not received a response. I have attached screenshot of error message to this complaint- this is what I see every single time I attempt to log in, regardless of the computer or device I'm using, whether I've requested a new password, etc. It never works. 

Additionally, now that live chat with an agent is unavailable, my only option for making payments is via telephone. Unfortunately, now their automated system seems to be malfunctioning- the message often cuts out mid-sentence, and the system does not seem to recognize when I type in my bank account number or the amount I would like to pay. I have tried no less than XXXX times over the last few days with absolutely no luck, and seemingly no way to speak to an actual real person. 

I have now been unable to log in to my account for several months. I can not access help via live chat, and I can not even use the telephone system because it does not seem fit for purpose. I have had no response to multiple inquiries sent via e-mail. 

I am getting extremely frustrated and find this completely unacceptable, particularly because if my payments are late, through no fault of my own, I will incur the penalties.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was informed that I am a victim of three data breaches since XXXX and have placed security freezes on my credit reports with the three credit bureaus. On XX/XX/XXXX, I applied for a credit increase on my XXXX XXXX credit card which I have had for over 6 years. I was denied the credit increase based on TransUnion 's inaccurate data reporting of inquiries. The denial letter is attached to this complaint. TransUnion is reporting unauthorized inquiries on my credit report. They have now caused me financial injury as well as defamed my reputation with XXXX XXXX. I am requesting that they provide me the authorizations for the following inquiries that they are reporting on my credit report or delete these unauthorized inquiries immediately. The inquiries and dates in question are : 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 explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 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 instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 
XXXX | XX/XX/XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


Sincerely, 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