BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: TX
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:
The unverified account listed below continue to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
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: Investigation took more than 30 days

Complaint:
Wells Fargo mismanaged my short sale 3 times over a 2 year period ( XXXX-XXXX ) & the day my condo in XXXX Idaho set to sell at the price they set, ( {$79000.00} ) they canceled & foreclosed XX/XX/XXXX on it the next day so they wouldn't have to pay agent fees & in the process ruined my credit after telling me to not make payments to be eligible. I would like this account removed from all 3 credit bureaus & an investigation into the fraudulent practices Wells Fargo is performing

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 2023-07-05
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

U.S. DEPARTMENT OF EDUCATION : XXXX, U.S. DEPARTMENT OF EDUCATION : XXXX, U.S. DEPARTMENT OF EDUCATION : XXXX, U.S. DEPARTMENT OF EDUCATION : XXXXXXXX XXXX XXXX XXXX : XXXX, 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 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. 16815-2 ( AN1 ) 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 2021-07-20
Company: EQUIFAX, 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:
After Providing The Three major credit bureaus With My Fraud Claims. The companies Have failed to remove all the inaccurate reporting 's. While some accounts were removed I have been getting Denials to remove other items & accounts related to fraud. And also overlooking my request for contracts regarding these accounts This has affected My life Tremendously. Also This has been ongoing for almost a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Tried to placeXXXX.on secured credit card at regions bank .teller told me I couldn't after she deposited my XXXX. I withdrew it. I wasn't wanting checks mailed to me or a debit card .just secured credit took m paperwork she gave me burnt it .she took my direct deposit from social security check. I did not give permission for that couldn't find my check. that was over a year ago in XXXX XXXX. Branch in XXXX ga. Where I moved to from XXXX refuses to talk to my about a loan telling me I don't know how much income I have .I know .teller refuses to issue me debit card for twenty for hours so I to a different branch .get the card.this hole time have not been able to do online banking. They have been charging me for every transaction. Just found out last week.

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 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX Transunion reported to an apartment complex that I have a history of evictions and collection actions. None of the evictions are verified as accurate even though I have requested on several times for TransUnion to do so. I have paid off majority of all collections accounts ( minus medical bills ) and it has been well over 30 days and my report has not been updated. I was told that I have a Judgement from XX/XX/XXXX from a property that I lived at in XX/XX/XXXX which I paid off and never was evicted from. I was also told that I have a eviction from when I resided with my mother ( my name was never listed on a lease ; when asked to verify this information such as something with my signature on it Transunion could not provide. All of this erroneous information was giving to the apartment complex that I applied to which is not accurate. I called to Transunion on XX/XX/XXXX and was told all they can do is submit another dispute- this is the 3rd dispute that I have submitted to them. In the meantime I am unable to provide housing to my family because they are passing around erroneous information in regards to my finances.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
upon checking my credit report I noticed I was added as an authorized user to a credit card that does not belong to me and that I did not give permission to be added to at all I do not know the person just saw the card on my profile I have been a victim of identity theft and I have reported it to the police my information is still floating around and being used I also see an inquiry from XX/XX/22 XXXX XXXX that is not mine I have not applied for any new credit at all in a while I did not authorize this inquiry and I want this inquiry and the XXXX XXXX  card/acc was removed from my report ASASP it is causing me great hardship I am happy to work with law enforcement and bureaus I spoke with XXXX XXXX  about this account several times about I was told this matter and was told it would be removed from my report and it has not

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 2020-07-16
Company: FC HoldCo LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX inaccurate late payment I am disputing the delinquency reported by Flagship Credit due to covid my job closed down I reach out to them for assistance according to the Cares act during the Covid 19 if you get relief assistance from your creditor they are not to report late payments only report active accounts they reported me 30 days late they did not notify me of this I think this unfair and without warrant do the pandemic this shut down was not my fault I ask that this late report be removed 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 2022-11-07
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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$700.00} RESIDENT VERIFY XX/XX/2021. According to FCRA Section 605B ( a ), the Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XXXX we cancelled all accounts at XXXX, location XXXX, OH. 

It took about 6 month to close the Credit-Card Account. We payed if off toatally. 

Account numer : XXXX The account are not visible at US-Bank onlinebanking anymore. 

But : still we get Uni-Statements wit a Begining Balance XX/XX/XXXX?? 
Statement period XX/XX/XXXX through XX/XX/XXXX?? 

US-Bankl charged an Overdraft Fee and refunded it - an Overdraft fee for an account which is not existing since 1 year??

That showes us, that US-Bank is still working with our accounts, because the Uni-Statement from??, arrived here at XX/XX/XXXX, showes an Ending-Balance of XXXX. 

We are desperated, we do not see a chance to stop this, we are no longer interested in working with US-Bank. 

The last statement came from this address : USBank, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Minnesota, XXXX WE MIGHT BE ABLE TO SEND THIS COMPLAINT, BUT WE ARE NOT ABLE TO LOG INTO OUR ACCOUNT BECAUSE YOU DO NOT ACCEPT NEIHER OUR USERNAME NOR OUR PASSWORD WE SENT SEVERAL EMAIL TO CFPB AKSING FOR HELP. not one of them was responed!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 2022-08-08
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:
CFPB and Equifax, This is a *new* claim with *new* updated information - attached to this *new* complaint are - a drivers license, social security card, mailing address, XXXX XXXX, XXXX credit report XXXX XXXX XXXXXXXX letter to remove late pays , XXXX XXXX letter to remove late pays, XXXX XXXX XXXX not my collection, XXXX XXXX and XXXX XXXX XXXX to remove collection letter Please have this handled immediately as this is damaging my credit and I am buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Viking Client Services
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I rented a vehicle from XXXX at XXXX XXXX in XXXX, TX for business travel for a 48-hour trip. I prepaid for my reservation, providing a credit card for the deposit at the time I picked the car up on XX/XX/XXXX. I returned it on XX/XX/XXXX, commuting a total of 72 miles to and from my place of employment and XXXX XXXX during the time the vehicle was in my possession. 

I filled the tank within 5 miles of the airport and returned the car full. An attendant was not present so I left the vehicle in the lot and returned the keys as instructed. Upon returning home, I noticed an additional charge for fuel, despite the fact that the receipt clearly showed the full tank on return. I was finally able to get the fee refunded. 

A month later I received a letter from a bill collector on behalf of XXXX claiming that I damaged the vehicle and attempting to collect over {$800.00} with no substantiating evidence and no further information regarding the alleged damage. The car was not damaged, and in fact XXXX did not even attempt to charge my card for any damages or mention them in any correspondence after the return date. The return slip also did not note any damages, simply that the vehicle was returned full and had been driven 72 miles. 

I believe I am on the receiving end of retaliation by XXXX for not paying additional fees for unnecessary insurance and for complaining about and seeking a refund for an additional fee they were not entitled to collect. I am in the process of retaining legal counsel to resolve this issue as XXXX has not acted in good faith throughout my rental transaction with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I have several businesses that have taken me into a deep XXXX. I started working on my credit last XX/XX/XXXX and have gotten my record pretty accurate. I got my first credit card in XX/XX/XXXX and it was in good standing up till XX/XX/XXXX when XXXX XXXX decides to close the account at no real logical explanation. XX/XX/XXXX I opened a XXXX XXXX account and during our business relationship we had some major communication issues and XXXX belittled me up until XX/XX/XXXX when I was notified they no longer want to do business with me! Both accounts were somehow involved with a XXXX fraud account that had applied these two to the fraudulent accounts and was debiting tedious amounts that took some months to notice. I contacted XXXX in XX/XX/XXXX to advise them of the fraud accounts and XXXX alleged to investigate the events and take action. I made several calls up to date and the accounts still reflect in my name. I dont understand why Im being done like this. I call and made complaints with all of them and have documented proof. I was part of the XXXX data breach and possibly the XXXX XXXX yet they do not care that this is not my fault. I can not get a bank account because allegedly Im in XXXX XXXX but the report I got from said XXXX XXXX does not reflect much that renders that decision. Im so terribly confused at the turn of events and the level of treatment I have received. I just learned I was also part of the XXXX data breach from XXXX and was never notified. I have been on top of my credit and these listed accounts and they have dismissed me with no explanation that could help me fix the issue or offer up logical explanation. I have written cfpb and called FTC filed a identity theft report and offered it when necessary. Hand in hand these financial agencies have black listed me and shamed my name for what seems to me what is called a risk factor that I had nothing to do with. They all claim to have fraud prevention liability ect. Im a victim of that Fraud they speak of and they show no sympathy even if possibly at fault. I can not get a credit card for the life of me. I have been postponed starting college do to all this stress and confusion. The literature I have read in these regards is mind blowing conspiracy type incidents. Cupful explains they hold the rights to do what is listed above. What happen to our rights that clearly hold no purpose when exercised? Trust? Act? Privacy? The rights to be heard? The right to know whats being used against me on file? In the USA we call it the land of the free and our constitutional rights are implemented to help us remember! Why and to whom? This is all so pathetic and I truly believe this is rigged to keep poverty where we come from wow how rude!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Dear all, I need your help as my credit score is keep going down without knowing why this is happening. I tried to access my credit scores to no avail. Can I get them and check what is the cause of this decrease?

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 2023-01-21
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:
There is an account I do not recognize on my transunion account. It was already removed from XXXX and now Id like it removed from transunion. Its from 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 2023-04-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have reached out to all three credit bureaus ( XXXX, Equifax, and XXXX ) over a charge off that is on my account. All three credit bureaus are reporting late payment and charge offs in different months. I have sent proof about how they are all reporting different information with copies of my credit reports. I continue to get letters back that the information is verified from each of them even though they are all claiming a charge off in different dates. The accounts also show the account as closed different months of that year which I also provided proof. I have sent Dispute letters two different times XX/XX/XXXX online and XX/XX/XXXX through mail. I would like for this to be looked at as its hurting my credit score and it is against my rights to have inaccurate information in my credit profile. The information should be accurate across all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I had locked all 3 of my credit reporting accounts. On XX/XX/2020 my son ask if I could co-sign for a truck. I could unlock my account online with 2 of the agencies. Experian tells me that I have to request in writing with 2 bills listing my current address. BUT, as soon as I sign up for their service there is no problem I can have my account unlocked immediately. We have gone thru the {$4.00} first month and {$24.00} for the second month. Today ( XX/XX/2020 ) I canceled the account online. I received an email stating that " When your subscription ends in 27 days, you will no longer be able to lock or unlock your credit report. '' I feel I am being held hostage by these people.

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 2019-10-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 non-monetary relief
Consumer complaint received 2023-04-05
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: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2021-07-07
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation