BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 never visited hospital in that period. that's why I am asking about re-investigation these account and remove that from credit report. I do not account number but I uploaded page from credit report where you can see accounts.

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 2019-08-29
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute with Simple Bank. I left my card in the store & when I returned to retrieve my card from the lost & found I found out purchases were made through credit & not debit which I normally use. I called in to let them know this. As I spoke with a representative she told me that she had to cancel my card because of the disputes type she wouldnt even let me get a word in. I told her to cancel the dispute because I had my card but I still wanted to dispute these charges. She then told me that she would do all of this. So time has went on I receive a provisional credit. I then receive a message almost a month later saying theyre reversing the credit because they just heard the phone call. Which put me in a negative & I had deposits coming in. The deposits coming in took me out of the negative but it was my money. They reopened my case to let me know that it was denied so basically they took my money & there is nothing I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2018-07-22
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am actively being garnished for student loans that do not belong to me and that were collected on illegally. Money is still being pulled from my account and placed into an escrow account because the company, XXXX XXXX XXXX XXXX XXXX, is under investigation for unfair collections practices. These accounts are not listed on my credit reports, I had no former knowledge of this accounts until I was improperly served and then informed of the default judgement and I have tried for the past year to get this judgement vacated. I have requested proper validation of this debt which as resulted in tons of paper work being mailed to me and no definitive proof that these loans in fact are mine and that XXXX XXXX had jurisdiction and legal ownership of these loans to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, 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:
The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, and the date last reported is not accurate. This is grounds for removal as they violated my rights under : 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 states a consumer reporting agency can not furnish an account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation. here is my certified tracking number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX 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 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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 explanation
Consumer complaint received 2023-05-15
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Unfortunately, I am sending this message for your help because this matter is very time sensitive. I need an answer or resolution ASAP. I have tried everything I could think of with the bank over the last 7 days when I found out the issue 7 days ago. 

On Monday XX/XX/XXXX, I went to the XXXX XXXX, at XXXX XXXX XXXX, XXXX, CT XXXX of the M & T Bank ( Manufacturers and Traders trust company People 's United bank ), to go into my safety deposit box to get my passport. I was going on a trip and needed to get it renewed because it expires before my trip. I have owned the safety deposit box for over 25 years at the same location and a total of 40 years with the bank at another location. I was meant to be the only person who has access to it and have been the only person with a key to it. 

I was informed that it was closed out my someone in XXXX but at the time they would not confirm who it was or when it was. They said the lock had been broken into because the person did not have a key and the box did not exist anymore with all my legal documents, passport, my birth certificate, deeds to my home, car titles, bonds, family heirlooms, jewelry, and many other items to long to list here. Over almost 38-40 years of legal documents. 

I asked who closed the safety deposit box and if I could any documentation of the box being closed permanently and not existing anymore. Basically, who had my contents of my safety deposit box. The bank stated all paperwork including a notarized paper by the bank, were the bank 's " internal documents '' and were not given out to the owner of the box without a subpoena from my lawyer. I am not sure if the person who stole the contents of the box has any paperwork from the bank. 

I have tried every day in the last week to get the documents of the closing of the safety deposit box, but they are not currently assisting me to get the paperwork without a lawyer 's subpoena. I find this outrages because it was my safety deposit box and I did not close it. The contents were taken out of there without my consent and the box was closed permanently without my consent. 

I could use your help in any way I can. I what to find out officially who gained access to the box. I have my suspicions, but I need to know officially. I would also like to get my passport and original birth certificate in order to get my passport renewed or new one. Neither I can do without the stolen documents in the safety deposit box. 

Thank you and I look forward to hearing from you soon.

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 2021-11-04
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on GRANT & WEBER INC. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureau investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the lists of the erroneous account reporting on my Credit Report : GRANT & WEBER INC 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 2021-04-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I had an account with XXXX  that went delinquent, and was sent to collections in XXXX of XXXX. XXXX of XXXX, is when this debt is supposed to be deleted from my credit profile. According to the information that the collection agency XXXX XXXX XXXX, applied to my Experian profile, it is apparent that they have re-aged my Experian credit account. It is showing that the date the account was opened was in XXXX of XXXX. I sent a certified letter to both XXXX XXXX XXXX, and Experian to have the company verify that the information included in this alleged debt. Neither company has validated the debt, original contract, the details stating what and why the amount is due, or proof that the original debt was not charged off by any means. I sent Both companies my demand for validation letter, under the above mentioned terms in XXXX of XXXX. They had until XX/XX/XXXX to either validate it, or remove it from my credit profile. After contacting Experian customer service, they still allowed this fraudulent account to stay on my credit, without any proof.

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 2023-01-04
Company: EQUIFAX, 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:
I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/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 2023-01-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I called Wells Fargo to resolve the issue with my bank regarding the amount of XXXX dollars. {$28.00} & XXXX dollars. Wells Fargo refused to give my money back and made inappropriate statements to my checking account one dispute agent stated I should utilize my money better and not towards XXXX XXXX. As a customer of Wells Fargo its not her right to discuss and manage my finances. I find the discussion to be inappropriate. Secondly, she made false accusations and speculations stating is there inappropriate behavior on my checking account that she needs to report. She has no rights to make speculations claims to discredit the Wells Fargo customer and shes held liable for those statements she misrepresented the integrity of Wells Fargo and customers. I have proof and evidence I tried to resolve the matter with XXXX XXXX. XXXX XXXX refused to give my money back and I have followed the necessary steps which is going to the restaurant to speak to them and XXXX XXXX. They both refused to give my money 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 2023-06-06
Company: EQUIFAX, INC.
State: NV
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:
FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nv XXXX TO : EQUIFAX. 

Dear Equifax. 

I just reviewed all of my credit reports and it appears you still have not deleted the account I disputed several times, which is- XXXX XXXX XXXX 

Please be advised that both XXXX and XXXX have deleted it from my report and you EQUIFAX have not. 

Your neglect is a clear violation of the FAIR CREDIT REPORTING ACT. If you do not delete this account within the next 3 business days, then I will be forced to report to the FTC and go through an administrative process. 

Please delete this fraudulent account -XXXX XXXX XXXX  immediately. 

Sincere regards, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
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: Account status incorrect

Complaint:
inaccordance with the fair credit of a report act. the list of account below has violated my federally protected consumer right to privacy & confidentiality under 15u.s.c1681 XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Has violated my rights 15u.s.c1681 Sec.602 A. States i have the right to privacy.

15u.s.c sec.604A sec 2 also states a consumer reporting agency can not furnish a acc.without my writting instructions.

15u.s.c1681c ( a ) ( 5 ) sec.states no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse items of info.other them the records of convictions of crimes which antedates the report by more then 7 years 15u.s.c1681s2 ( A ) ( 1 ) a person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has resonble cause to believe that the info is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23
Company: Financial Recovery Services, Inc.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have even blocked this companies number after they didnt stop but they then started calling from a different number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions 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. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 section 602A states I have the right to privacy 15U.S.C 1681 section 602A section 2 : it also s a consumer reporting agency can not furnish a account without my written instructions 15U.S.C 1681 ( a ) 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information any and 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 16812 ( A ) ( 1 ) A person shell not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason 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 explanation
Consumer complaint received 2023-01-04
Company: Mandarich Law Group, LLP
State: CA
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 have been notified by mail that I have a credit card debt. I review the documents that I have been sent and this Identity fraud. I'm not the person on the documents and the address on these documents has never been my place of residents. I have communicated with the debt collector and asking them to further investigate the person on the documents that they have send me. This why I'm reporting this identity thief to cfpb Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
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 has payment history incorrectly, never paid late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: UT
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation