BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: NC
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to Experian by XXXX and 5 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX Never lived there That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX XXXX and 3 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This request requires special assistance and can not be processed online. Please contact us at XXXX so we XXXX better assist you with this item. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX  XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For

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 2021-11-02
Company: Experian Information Solutions Inc.
State: NC
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:
I have tried to obtain my CREDIT FILE from all 3 credit reporting agencies & have only recieved credit reports. I'm being denied my right to know what all is on my credit 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 2023-01-26
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
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:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, I AM NOT LIABLE FOR ANY TRANSACTIONS MADE ON THOSE ACCOUNTS. BECAUSE OF THE NEGATIVE ITEMS IT HAS COST HARM TO MY CREDIT AND I'VE WORKED SO HARD TO TRY TO MAINTAIN A GREAT CREDIT SCORE. PLEASE LOOK INTO THOSE ACCOUNTS AND LOOK AT THE ACCOUNT NUMBERS PERSPECTIVELY AND HAVE THOSE DEROGATORY ITEMS OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, I AM NOT LIABLE FOR ANY TRANSACTIONS MADE ON THOSE ACCOUNTS. BECAUSE OF THE NEGATIVE ITEMS IT HAS COST HARM TO MY CREDIT AND I'VE WORKED SO HARD TO TRY TO MAINTAIN A GREAT CREDIT SCORE. PLEASE LOOK INTO THOSE ACCOUNTS AND LOOK AT THE ACCOUNT NUMBERS PERSPECTIVELY AND HAVE THOSE DEROGATORY ITEMS OFF MY CREDIT 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 explanation
Consumer complaint received 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
TRANSUNION did not respond to disputed items on my credit report within the legally allowed 45 days. I submitted a complaint, they said they were still working on it, then they said they mailed it out XX/XX/14. I RECEIVED NOTHING, also no updated to credit report showing they looked into it. 

This action is against the law, they have 45 days.

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 2021-11-01
Company: Nelnet, 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:
I previously filed a complaint. The deletion of the XXXX did not include XXXX Credit Bureau in the letter of response. Repeating info : I filed for bankruptcy with my husband on XX/XX/XXXX. My attorney that handled our case name is XXXX XXXX here in XXXX, GA. My problem is with XXXX and XXXX XXXX They have reported negative information on my credit report since the day we filed and would not change it. They have reported the private student loan as charged-off instead of in-deferment. Our bankruptcy was discharged in XX/XX/XXXX. The private student loans were discharged in our bankruptcy. They were notified again but would not make the change or remove it from my credit file. I made several attempts to contact them. I've been trying to get this permanently removed from my credit report since XX/XX/XXXX. They finally removed it. They put the private student loan back on my credit file in XX/XX/XXXX and made my credit score drop from XXXX to XXXX. The status is showing paid/charged-off. They still will not remove it. I have written to them and called, they will not respond. I sent them the bankruptcy discharge and the credit bureaus. XXXX XXXX has sent in requests to have the information removed numerous times and they still will not respond. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: UT
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-09
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This started back on XX/XX/XXXX, FTC file number XXXX was filed for someone buying XXXX XXXX XXXX merchandise in the amount of {$810.00} two different times, I called XXXX XXXX XXXX at XXXX XXXX on XX/XX/XXXX spoke to XXXX there was nothing in system with my name on it at all, she transferred me to XXXX General customer Mgr who also looked into this and could not find anything relating to me even from the Debt dept. XXXX XXXX XXXX  fraud number called was XXXX XXXX XXXX ) XXXX. The address that showed up on credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, never been to this state at all!!! 
The agency who was holding the debt was called XXXX XXXX at ( XXXX ) XXXX spoke to XXXX he said it was a Non Existing Account. It was taken off both XXXX & XXXX accounts immediately and I was told that this would happen to all 3 reporting credit agencies so I would not have to call each and everyone of them. XXXX wanted my cc number on page to help me like {$40.00} for something I never needed so I canceled it Now on XX/XX/XXXX suddenly ENHANCED RECOVERY CO L put this debit on my credit report as past due since XX/XX/XXXX. This is not my Debit nor my Charges in Fact I want video and I want signature proof of Purchase I also want stores and address. AGAIN all others removed this fake debit from reporting instantly way back we it first happened all my credit score is XXXX XXXX is always reporting it at least XXXX pts lower how is that even legal XXXX my on my home loan, car loan and now bank loan with the interest rates!!!! Another outdated broken American system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/XXXX I received a notice from Bank of America that my AAA XXXX rewards credit card offered by Bank of America would be transferred to a new banking institution. As I did not want to begin a relationship with another bank, I called Bank of America to cash out all the points I had accumulated on the card and close the account. I received confirmation on XX/XX/XXXX that this would be completed and that I would receive an AAA  XXXX  Check for the value of my rewards in the next XXXX weeks. 

In XX/XX/XXXX when I still had not received an AAA XXXXXXXX Check for my rewards, I called Bank of America and spoke with a supervisor who initially indicated there was nothing they could do and suggested I call the new bank that had taken over the card. I protested as the whole reason for cashing out all the rewards and closing the card was to avoid any dealing with a different financial institution. I also clarified that as the account was closed and cashed out, I did not understand how a new bank would have any records or any responsibility for this. At the end of the call she agreed to speak with her wider team to come up with a solution. 

In XX/XX/XXXX XXXX  I still had not received any substantive update, solution or AAA  XXXX XXXX. I again called and was transferred to a different supervisor. This supervisor saw some limited notes about the previous problem, but also expressed difficulty in constructing the whole story due to the product being closed at Bank of America. She again promised to research with a senior team and to get back to me with a solution. I was provided a XXXX XXXX number of XXXX. It is now XX/XX/XXXXXXXX and I still have no update nor any resolution. I am now out nearly {$XXXX} in rewards value ( just under XXXX points valued at XXXX XXXX  each for an AAA  XXXX XXXX ) and have little confidence this will be resolved as each time I call I start the process with a new agent and no progress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Submitted certified mail asking Credit bureaus to verify Bankruptcy based on 609 law. Asked for method of verification and ask to send documents of bankruptcy. Never got anything. The credit bureaus claimed they verified it through XXXX XXXX. XXXX XXXX claimed it verify bankruptcy through courts. I have letter from courts saying that they do not give or sell any information to third party. Sent letter asking how they verified the bankruptcy and they never sent me proof. Please see attachments

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 2020-10-20
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Submitted certified mail asking Credit bureaus to verify Bankruptcy based on 609 law. Asked for method of verification and ask to send documents of bankruptcy. Never got anything. The credit bureaus claimed they verified it through XXXX XXXX. XXXX XXXX claimed it verify bankruptcy through courts. I have letter from courts saying that they do not give or sell any information to third party. Sent letter asking how they verified the bankruptcy and they never sent me proof. Please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Problem getting your free annual credit report

Complaint:
I am unable to receive my annual credit report online for Transunion. 

I keep receiving an error : " We do not have a record that matches the information you entered. If your personal information ( name, SSN, address ) has recently changed, you should make sure that your personal information is current with us, and resubmit your request using the methods listed below. '' I called the number provided on the website and spoke to a Transunion CSR. The CSR told me my report would be sent via US Mail however instead I received a post card from Transunion saying they never heard on me before. 

My Transunion File Number is 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 2020-07-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I applied to refinance our existing mortgage with Wells Fargo on XX/XX/XXXX. I met with a WF mortgage consultant for over 2 hours and provided all of the required documentation. I paid {$640.00} at that time for the appraisal and a credit check. 

I provided follow up information as requested immediately. It was an arduous process and the consultant assured me there would not be a problem considering my excellent credit rating and longtime relationship as a WF customer. 

The appraiser arranged a time to visit my house to conduct the appraisal. The night before the scheduled appointment, the appraiser notified me that Wells Fargo would not let him enter my house due to Covid-19. Since the house was unoccupied, he asked if it was alright with me if he entered the house. I agreed. Wells Fargo then said he could not enter the house, even with my permission. The appraiser then said he could perform an external appraisal and complete his appraisal if I provided detailed pictures of the interior of the house, which I submitted. The WF mortgage consultant, Mr. XXXX XXXX, agreed with this approach and the appraisal was completed. I received a certified appraisal on XX/XX/XXXX. Mr. XXXX contacted me afterwards and said everything was in order and the mortgage would be approved shortly. 

Later in the day Mr. XXXX called with bad news. He said that since my mortgage had been sold to XXXX XXXX, they demanded a complete appraisal to include the interior, however, since WF wont allow interior appraisals, they could not approve the refinance. The consultant was very agitated by the decision and promised to fight it further, but after a few weeks passed, he called to say he did not make any progress and urged me to call his supervisor, Mr. XXXX XXXX to complain. I did call and left several messages, but never received a return call. 

On XX/XX/XXXX, I received a letter from WF stating my application was denied because We do not offer the product or program requested, whatever that means. 

I do not understand how as a mortgage holder with WF since XXXX, with a perfect on time payment history, that I do not qualify for a refinance where my monthly payment would be much less than I am currently paying. I also do not understand why they will not let an appraiser in my unoccupied house, when he is more than willing to do so, or why they will not accept the complete and certified appraisal already completed in XXXX. 

It seems that WF, through their own doing, is making it impossible to complete this process. 


Thank you, 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 2021-02-25
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Victim of Identity Theft - Now being garnished and threatened with Tax Refund confiscation. Reported it in XX/XX/XXXX FTC Report Number XXXX. I am continuously being harassed and now being garnished for an account that I did not authorize. 

I worked overseas from XX/XX/XXXX through XX/XX/XXXX. I spent time in both XXXX & XXXX, with periodic home leave documented. POA was drawn and signed to provide oversight and maintenance of assets and executed for my affairs to be managed & decisions exercised in my name AND FOR MY BENEFIT. Excluded in the POA are actions that would cause my assets to become unstable, diversion of my assets to the Agent, Agents accounts, Agents creditors, Agents estate, securing personal loans or attempting to defraud me of funds & assets is not a provision of the POA. A formal revocation has been executed. Total missing assets {$25000.00} ; Total funds diverted {$170000.00} ; Total funds defrauded {$400000.00}. 

Account in reference : CitiBank XXXX Amount now XXXX and garnishments continue

Company response to consumer: Closed with explanation