BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-13
Company: EQUIFAX, INC.
State: MO
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:
Today spoke with XXXX in dispute department. I stated I have received an alert on dispute update. I disputed XXXX XXXX for late payment I was never late and for XXXX XXXX  inquiry removal. XXXX told me that they stated that the information was certified and correct I told her that is impossible because I have my statement and what documents did they prove she stated none and they do not have to do that. Which means a creditor can just prove false information and they certify it to be true and affect consumers credit profile. I want them to be fined for ruining consumers credit profile without legal documentation to report negative information to tradelines. Also for false scoring calculations and not updating consumers profile when things are scheduled to fall off report profiles. Credit bureaus are the biggest schemes out here. Credit scores are not the same as lender when we purchase FICO score lenders are different. I want all negative information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : 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 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
All cash deposit was never correct for last XXXX years over XXXX dollar

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 2019-10-10
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contact Aargon Collection I have asked that they remove this from my credit report. They stated that I have to pay them. I have never heard of them and suggested that they go after my insurance company because I have insurance, I was told to send a letter from my insurance company stating that I was covered, I did and I dispute the charges off my credit report, it was taken off one of my reports but not the other they're trying to fight it. I have never signed a contract with them I don't know who they're. I was hospitalized at XXXX XXXX but not Aargon and it's violating my HIPP act at this point. I don't know them and they're refusing to remove the account off my credit report. How do you remove it off one and fight the other. I don't know 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 2022-06-17
Company: HW Holding, 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:
On around XX/XX/XXXX an alert showed from XXXX about a collection debt from Hunter Warfield for {$7000.00}. 
Hunter Warfield is a collection agency for apartments. The original Creditor is XXXX XXXX  at XXXX in XXXX TX an apartment complex that I have never applied for. 
This debt was opened fraudently in my name around XX/XX/XXXX. 
I've never lived in XXXX. Calls to the apartment complex have gone unanswered. 
Meanwhile I'm disputing this inaccurate information and XXXX says the item was accurate and validated. This is not my debt. I have been subject to identify theft for the past 3 years from the data breaches to where I've put a credit freeze on my account. The XXXX dispute was closed on XX/XX/XXXX and I've called and opened another dispute for this item. I have also contacted the XXXX  on Hunter Warfield.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX, XXXX, and XXXX XXXX has accepted a check I sent which resulted in no current amount due. I sent my proof to the credit bureau and they will not remove the debt. I will also attach the checks sent as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, I had to return a product for malfunction reasons back to Lowe 's home improvement store in XXXX, pa. I was credited back to my Lowe 's advantage credit card in the amount of $ XXXX. 
Balance was XXXX. Other credits were reversal of late fee of XXXX ; XXXX ; - XXXX ; my monthly payment of XXXX ; XXXX partial of warranty refunded in check form. I also made a XXXX payment in in which XXXX was applied to the returned items ( washer and dryer ) which total costs came to XXXX. 
I was due my refund of XXXX for my payment, my balance should not be XXXX. They are fraudulent in their added fees to defraud me as a customer of XXXX cash payment and the balance of warranty fees. after all my credits and payments my balance should only be 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 2020-12-10
Company: Experian Information Solutions Inc.
State: MI
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 have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

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 2020-12-10
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I, XXXX XXXX XXXX, a avid consumer that knows my rights. On XXXX XXXX I recieved a collection letter from said party on behalf of XXXX trying to collect on a debt that I dont owe. Im not liable for any alleged debt & have sent me a collection statement without without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). In the correspondence letters I've found numerous FDCPA violations ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ). 15 USC 1692e ( 2 ) ( A ), 15 USC 1692b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-26
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: Information belongs to someone else

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. 

Account name : XXXX XXXX XXXX  Account XXXX Account name : XXXX  Account XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Hard inquiries that are not associated with an account showing up randomly.

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 2019-07-10
Company: Prosper Marketplace, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Firstly I am a victim of identity theft and I did not authorized this transaction.I recently received a letter from XXXX XXXX XXXX XXXX which is attempting to collect funds for a matter that has been resolved. I already filed as victim of identity theft with the bank and as I said it was resolved. The amount is for {$20000.00}, around XXXX and again I filed a report for identity theft with bank and it has been resolved. The company is XXXX XXXX XXXX XXXX XXXX, Attention : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX GA XXXX. They also give a second address at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX. Phone # 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 2020-12-10
Company: EQUIFAX, INC.
State: CO
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:
non XX/XX/2020 i disputed three incorrect items on my credit report and sent in payment history and a court order .the disputes came back as correct. even after i sent every thing in to show the report was incorrect .payment with checks that cleared my bank and a court order that says i am not be hide on child support

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TransUnion did not honor my security freeze which resulted in identity theft for me.

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 2020-12-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The company responded to my initial complaint with a generic response, They ASSUMED that I was credit repair company when in fact I am a well educated individual. The company DID not even attempt to investigate my dispute. I have a right to a proper investigation per the FCRA! If I submitted a letter showing the the Bankruptcy Courts doesn't report to any of the bureaus, so how is it being reported on my credit report? I demand a investigation in this matter.

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 2020-12-10
Company: Experian Information Solutions Inc.
State: AZ
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:
To Whom It May Concern, I wrote to you requesting an investigation for the accounts listed below and per my return receipt, it was delivered at your address on XX/XX/2020. The reason for the investigation was to advise you of accounts that are showing Inaccurate, Unverifiable and, Incomplete on my credit report you are reporting. 
1.XXXX XXXXXXXX 2.XXXX XXXX As of now, I have not received a reply from you or any acknowledgment that an investigation has begun. However, I did manage to pull my credit report and found that the accounts listed above, have not been investigated. 


I am requesting for you to delete these accounts immediately from my credit file. Since this is my third request. I also understand, under Federal Law, you are required to complete and notify me of your investigation results within 30 days, which I have given an additional 15 days due to COVID, which you have failed to provide me. 
Again, please DELETE these accounts from my credit file, permanently.

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 2023-06-25
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I called Wells Fargo XXXX simple request : I need copies of all my checks for XXXX  to do my taxes. After spending XXXX minutes on the phone the XXXX said she would email them. When I received the emails they were the same XXXX checks send in multiple batches. I then called again and again spent a long time on the phone. I was promised that the checks would be mailed as the clerk said "... I am not sure how the system works. '' But she said there was no other way for me to secure the checks other than this antiquated method. I would like to be compensated for my time. Wells Fargo has antiquated systems that is unfriendly to the consumer. I need this information and the bank should enable me to access it on line but I can not go all the way back to XXXXXXXX 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 monetary relief
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2020-12-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have repeatedly disputed with the company INPT CONSLT OF FL, Their are charges found on my credit report that are fraudulent. The dispute states always comes back as " verified as accurate. I can prove during the time of these charges I didn't live in the state of Florida, and I can prove I was living and working in the state of tn. By court records of XXXX  and irs verification of employment. I do not know who used my social to go to several hospitals in Florida but most of the other accounts have been taken off my credit report. this one is a XXXX $ collection that was opened on XXXX XXXX, 2018 ( 2 yrs, 2 mos ).

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 2019-02-06
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a credit card from TD Bank.Statement issued on XX/XX/2019 of this credit card had a credit balance of {$2.00}. I called this bank & request a check for {$2.00} on XX/XX/2019.I did not receive any check from this bank till today. Although, I called several times after XX/XX/2019, but no good luck in getting my credit back from them Customer service of this bank was very bad. They do not have any respect for customer.I am very frustrated with their customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09
Company: JPMORGAN CHASE & CO.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2017 I was in XXXX XXXX XXXX in XXXX XXXX to get a new car. I was going to do a finance option and said they could run my credit. I told them to run my credit, but later I found out they had run it for 5 different times in the span of the 15 minutes? I believe once would have been suffice. These 5 hard inquires have brought down my credit score They are still there 1.5 years later. I would appreciate them being removed. Thank you.

Company response to consumer: Closed with explanation