BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-08
Company: EQUIFAX, 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:
My name is XXXX XXXX, and I am a consumer submitting this complaint on the behalf of myself without the influence of any XXXX  party being involved. XXXX is furnishing tradelines on my consumer credit file that is a result of aggravated identity theft 18 usc 1028a. My personal identifying information has been improperly used to furnish negative accounts on my consumer report that violates both together and separately my consumer and privacy rights. FTC report # XXXX and improper accounts being used to furnished negative items on my consumer report without my written consent or authorization by you XXXX XXXX, XXXX, Equifax and XXXX did not open this account nor authorize any one to open said accounts on my behalf. You are also reporting inaccurate, erroneous and fraudulent accounts, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or wasn't any transaction made by me without lawful authority, my written consent or authorization. 
Per the FCRA any account resulting from aggravated identity theft is to be blocked within 4 days of receipt of notice as outlined under 15 USC 1681c-2. Please cease the reporting of this tradeline on my consumer credit file. 
Please see attached FTC report number XXXX for reference. See attached docs as it this document counts as my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries, and a copy of a bill evidencing my address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall 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 XXXX business days after the date of receipt by such agency of- XXXX ). appropriate proof of the identity of the consumer : XXXX ). a copy of an identity theft report ; ( Report # XXXX ) XXXX the identification of such information by the consumer ; and XXXX ). statement by the consumer that the information is not transactions made by the consumer. 

P.S. This written statement classifies as the statement required under the FCRA/FDCPA when reporting fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not received any validation documentation from United Revenue Services. I sent a letter requesting this debt be validated and it has not been properly validated. I received a bill on XX/XX/19.A bill is not validation, I'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On numerous occasions during the last 2 weeks, I have been unable to sign in to TransUnion or to unfreeze my credit report or to get an online report which are the usual products the website and agency claim you can get. I have recreated a sign in and password several times, used different devices and different times throughout the week. This is adversely affecting my credit score and my ability to get pre-approved for a home loan as the lender has tried to access my accounts more than once ; it stalls the loan process, and suggests a negative credit history, or personal ineptness at using technology. Each inquiry deducts at least 6 points from a credit score. XXXX has similar problems. So not only are they supposed to create an accurate and honest credit history, they also sabotage our access with website problems. Similar issues have happened on previous occasions with all 3 credit agencies but moreso with TransUnion. 
All of these agencies should correct the website problems or remove themselves as a credit reporting agency. Consumers are basically held XXXX and prevented from getting their own personal information. Although I can get a written credit report, I am once again at their mercy timewise where reports can be delayed by unresponsiveness or mail services. I couldn't even correct an address error because the only choice is " I never lived there '' so you can't fix issues like Road , Avenue , Street, etc- these are significant issues when the town I lived in had an XXXX COURT ( my address ), XXXX XXXX and XXXX XXXX all in the same community. Packages were always misdelivered and there was a lot of delivery theft.

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 2023-12-09
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Fraud Accounts Appearing On My Credit Report Remove Immediately. 


Accounts 1. XXXX 2. XXXXXXXX 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 2020-01-17
Company: WELLS FARGO & COMPANY
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:
I have two paid accounts through : WELLS FARGO DEALER SVCS XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX 1 ) Closed XX/XX/XXXX- Remarks Payment after charge off/collection Settled - less than full balance- This is the first account. On XX/XX/XXXX this company took it upon themselves to change statuses on several dates from XX/XX/XXXX and XX/XX/XXXX that reduced my XXXX credit score by 63 points. If the credit reporting would of been accurately done when account was active or when paid, the work done for the past 2 years to improve my score would of been for something. Now, after 2 years, that work over the past 2 years has been taken away because of incompetent practice or vindictive behavior. There to be some sort of law protecting consumers from egregious practice and reporting 2 years after an account has been closed as paid. 

2 ) Closed XX/XX/XXXX- Remarks Payment after Repossession Paid repossession- This is the first account. On XX/XX/XXXX this company took it upon themselves to change statuses on several dates from XX/XX/XXXX and XX/XX/XXXX that reduced my XXXX credit score by 63 points. If the credit reporting would of been accurately done when account was active or when paid, the work done for the past 2 years to improve my score would of been for something. Now, after 2 years, that work over the past 2 years has been taken away because of incompetent practice or vindictive behavior. There to be some sort of law protecting consumers from egregious practice and reporting 2 years after an account has been closed as paid.

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 2023-12-09
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
Greetings, On XXXX XXXX Ive received correspondence regarding my complaint regarding my consumer laws being violated, along with my credit report information being sold to third parties, expressing the bureaus/agencies ( XXXX, XXXX, and Equifax ) will need 60 days to respond with research or findings. Ive specifically given clear and concise instructions, just to receive this delayed reaction to resolution. By Law, The FCRA requires the national credit bureaus to complete dispute investigations within XXXX to 45 days, as follows : 30 days : Credit bureaus ( referred to in the FCRA as credit reporting companies ) must investigate and resolve disputes within 30 days of receiving them, not 60 days. XXXX, Equifax and XXXX does it time and time again! The three major credit bureaus topped the list of complaints submitted to the Consumer Financial Protection Bureau in XXXX, ( thats you guys ) amassing nearly twice as many as the year before. Equifax let alone, has settled with the CFPB twice in recent years over allegations it harmed consumers and Im hurt! In XXXX, it paid XXXX} XXXX in restitution to harmed consumers, along with a XXXX XXXX civil money penalty, for alleged violations of consumer financial protection laws. In more recent years, XXXX, Equifax settled with the Federal Trade Commission, the CFPB and states for up to XXXX XXXX, to resolve allegations that it shared the information of 147 million consumers. With this being said, I would really appreciate the requests to be honored lawfully, without having to escalate to the Court of Law, where there are several civil penalties that have occurred against myself and estate. Please see my 609 letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: LCO Financial Services, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Blue Trust loans is a complete scam. When I was approved, they quoted my interest rate at 15 % only to find out that it was 600 % after they sent me the loan documents a week later. I called today XX/XX/2020 to payoff the loan and it is more than the actual loan and they charge an early payoff fee.

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 2018-12-12
Company: Rosebud Economic Development Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I received an email from a company called XXXX XXXX  telling me that my credit application was approved. I did not apply for a loan from this company. On XX/XX/XXXX, the company deposited {$1000.00} in my bank account. I called my back to inform them that I did not authorize a loan request.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report.

According to 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

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 2023-12-09
Company: EQUIFAX, INC.
State: WI
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am writing because i was again harassed by the last bank representative who responded to my case. She called me today XXXX to state that her response will not change and her resolution is the same. She claimed that she listened to a tape recording where I asked to borrow {$20.00} therefore there was no predatory involved. This was an absolute lie because I was severely harassed because they tried to force me to borrow {$100.00}, then {$75.00}. I was told the only way I would receive the loan was to borrow far more than the {$10.00} that I requested. After being threatened and harassed, I agreed to {$20.00} under duress. The first response from Wells Fargo admitted that the loan representative did try to get me to borrow more money but he only did that to save me money on the closing cost. When I explained that we never discussed closing cost, the bank decided to refer my case to another representative. The bank representative response today bolsters the fact that Wells Fargo uses COOKIE CUTTER RESPONSES TO RESOLVE COMPLAINTS. They hardly ever admit wrong doing that is obvious to the customers being harmed. My recent complaint was for Wells Fargo 's lack of investigations and writing nonsensical excuses for their discrimination, harassment, and racist tactics. Since this bank representative told me that the bank is not going to change their responses, I requested an HONEST BANK REPRESENTATIVE who will truthfully investigate my case and not send me the same lies that they have been sending me for over one year.

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 2022-02-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report, and it has definitely been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally submit a complaint against Equifax concerning their lack of response to my dispute regarding inaccurate information on my credit report. On XX/XX/XXXX, I initially contacted Equifax regarding the following incorrect details on my credit report. Regrettably, to date, I have not received any response from them. 

Details of the Inaccurate Information : Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX I assert that the mentioned account does not belong to me, and I request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 
XXXX : XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$1000.00} FIRST XXXX BANK XXXX Open Date XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$270.00} EQUIFAX : XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$1800.00XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Date Opened XXXX XXXX, XXXX Balance : {$39.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$270.00} XXXX : XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$1000.00} XXXX XXXXXXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$1800.00XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Balance : {$270.00}

Company response to consumer: Closed with explanation