BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
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: Information belongs to someone else

Complaint:
Submitting this CFPB complaint will be my XXXX CFPB Complaint to be submitted requesting the exact same request over and over again for the last 6 months! When will the Credit Bureaus be able to remove the disputed accounts and information completely from my Credit report? Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information completely from my Credit File! However, despite the countless CFPB complaints and Dispute letters that I have been submitting, the Credit Reporting Agencies have not complied with the implied Federal statute and decided to ignore my requests. Since the Credit Bureaus have been claiming that the disputed items belong to me, I have been requesting copies of proof of verification or proof of ownership or any documents bearing my signature to prove the Credit Bureaus claims. However, these requests have also been ignored and yet the Credit Bureaus still indicate the disputed items as verified! Which is just ridiculous! This will be may last attempt to request to the Credit Bureaus to remove the disputed items otherwise I will be filing a lawsuit. Once again, I was a victim of identity theft and the following items which I believe to be resulted due to identity theft be immediately removed from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX # XXXX XX/XX/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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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 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 2023-02-10
Company: Experian Information Solutions 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:
Hello, I have mailed in several disputes with the 3 major credit bureaus ( Experian, XXXX and XXXX ). XXXX XXXX XXXX shows on my credit report as late 90 days and settled for less amount. It's showing twice which I have never been late nor settled the accounts. It should show Paid In Full Closed Never Late. 

There is another derogatory on all three credit bureaus for XXXX XXXX. I have contacted all the 3 credit companies and XXXX XXXX regarding this XXXX XXXX XXXX XXXX XXXX which I never owed. I submitted several claims and disputes by mail and online and it keeps returning with the same negative information. XXXX XXXX is not aware of this account allegedly belonging to me I am writing to you to please help me get this issue resolved. 

The following is the most recent dispute results opened on XX/XX/2023 and Results came back on XXXX, XXXX, 2023 Report Number XXXX Date Generated XXXX XXXX, 2023 XXXX XXXX XXXXXXXX Account XXXX Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

XXXX XXXX XXXXXXXX Account XXXX Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 


Thank very much.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to dispute fraudulent unverifiable information on my credit report. The information you are reporting is inaccurate is resulting from identity theft. The following information listed below which appear on my credit file does not relate to any of my personal information. 
XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX  XXXX I believe the information listed above that you are reporting in my file results from identity theft so I am requesting that you remove it and block that information from my file.

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 2021-11-04
Company: GOLDMAN SACHS BANK USA
State: WA
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in XXXX and XXXX in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

1. GOLDMAN SACHS BANK USA XXXX Balance {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never been late on a AMEZ bill since having the card since 2017 this card was also canceled or should of been canceled almost three years ago now my ex and I had a joint account and she had charged my card up after breaking up with her, and this would be impossible because I have my own Amex card under my own name which would not be allowed if not paid in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Wells Fargo is reporting an account as a charge off on my credit report. They have not provided a 1099 to support their claim. If they have already received funds for this account via insurance, then this is subrogation. 

Further, I never received all disclosures or was informed clearly and conspicuously of my rights pursuant to 15 usc 6802 It was never explained to me that reporting this account to my credit was consensual. I was never told that Wells Fargo would traffic, transfer or sell my information to breach-prone companies where my information would be compromised which violates The Protection of Non-public Information laws.

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 2019-12-20
Company: FirstPoint Collection Resources
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Firstpoint Collections moved without providing an address to the credit bureaus, I sent a dispute letter directly to them, which was returned to me because it was the wrong address, which I got from my XXXX  report! This is totally wrong! I belive this is a violation of my rights granted under the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-14
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 am a victim of identity theft, and have filed a complaint with the Federal Trade Commission. I am disputing a collection item placed on my credit report XX/XX/2019, with a company known as XXXX/XXXX. This item was removed from my credit report back in XX/XX/2019, and has been placed back on my credit report to XXXX, Experian & XXXX XXXX. 
I have never had any business dealings with a collection agency known as XXXX XXXX, nor have I signed any documents or agreements with this company.

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 2022-11-02
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: Reporting company used your report improperly

Complaint:
XXXX XXXX In accordance with the Fair Credit Reporting act 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 2022-01-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
BMO Harris Bank XXXX XXXX XXXX XXXX XXXX IL XXXX is international doing bank fraud. Intentionally causing late payments. Intentionally causing late fees. Intentionally causing XXXX  scores to be lower. I have XXXX car payments, XXXX different loan providers, mail post office checks to both on same day. XXXX in CA other in IL. CA check clears within 5 days. IL check to BMO Harris just took 32 days to clear. Third time its happened, they harass and call you demanding payment. You authorize electronic payment with late fees. Low and behold within 2 days they magical find the check and apply it to next month. So they can collect interest on essential a double payment.

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 2023-02-24
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states i have the right to privacy. 
15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor may not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment is due. 

15 USC 1681a 2 states in EXCLUSIONS OF THE CREDIT REPORT ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; a " late payment '' is an experience or transaction and it should be EXCLUDED from my credit report!

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 2022-05-26
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have reached out to the credit reporting agencies multiple time about the XXXX XXXX XXXX XXXX being on my credit report. I stated clearly where fraud and breach of contract occurred from the onset of the contract. I also stated my issues with the repossession, I was never notified of the disclosures that were to be supplied to me in accordance with UCC 9 and the unlawful late payments placed in my file, which is in violation to 15 USC 1666B, nothing was done and this account is still showing up on my report. I contacted XXXX XXXX as well and the only follow I received was letter from someone at the company stating they were not responding and they deny every thing I brought up to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, 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 have sent letters to the reporting agencys to remove all negatives remarks all late payment all inquiries on my accounts but the refuse to do so.scammers have also use my social security number to apply for things I have no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: NC
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 sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 enclosed a copy of the FTC Identity Theft Affidavit and section 605B of the Fair Credit Reporting Act ( FCRA ), which details very clearly what exactly Credit Bureaus responsibility -- that being THAT Credit Bureaus ARE to block fraudulent misinformation AND/OR UNPROVEN INFORMATION on my credit report resulting from inaccurate, unauthorized, and/or unverifiable information including any such identified items of misinformation that is disputed in writing, up to and including but not solely limited to fraud and/or identity theft. 

Recap : FTC Identity Theft Affidavit, Cover Letter, FCRA 605B BLOCKING LAW, Fair and Accurate Credit Transactions ( FACT ) Act of 2003

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 2021-12-15
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 and Transunion credit agencies had refused to remove an account on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act 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.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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