BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: SC
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 of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX 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 take any consumer reporting 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 in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX have 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 an account without my written instructions.

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 2022-07-03
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:
I filed a dispute on XX/XX/2022 with CFPB due to I mailed in a dispute on XX/XX/2022 disputing multiple accounts and thus far one of the accounts XXXX XXXX XXXX was updated as Closed/Collection account for what appears to be incorrect amount. 
I received a collection letter on Behalf of XXXX XXXX XXXX from XXXX XXXX XXXX stating a totally different balance than what's showing on my credit report for the company XXXX XXXX XXXX which indicates that the investigation as well as the reinvestigation I requested was not done as requested and which the FCRA states, therefor is a violation of the FCRA. 

See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a notarized dispute letter to Transition. The notarization included my wet signature and a notarized stamp that proved the dispute documents were singed by me. Transition then sends me a letter indicating that they won't process my request because it " doesn't seem like the documents came straight from me ''. They also indicated that I am working with a third party credit repair company. Causing for the investigation to extend past the deadline of 30 days. I am not working with a third party, and I demand an answer within the 30 days of sending that letter. False statements are being reported on me in my credit report by this credit bureau.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: TX
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:
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 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 of 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 2023-09-03
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Disputed the fraudulent inaccurate accounts multiple times with supporting documents and they still refuse to investigate or give writing information on how they came up with their verified information with supporting documents. So I advised them with the FCRA 611-15USC 1681i LAW. Demanding proof or deletion immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: DC
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:
In reference to the Fair Credit Reporting Act : These following accounts are violating my consumer rights by reporting wrong information, putting deleted accounts that were removed recently without notifying in 5 buissness days in the past. Lastly my rights to privacy are violated. ALL OF THESE ACCOUNTS ARE REPORTING DIFFERENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) ON XXXX, EXPERIAN, XXXX. WHICH PROVES MY STATEMENT TO BE TRUE. IF ACCURATE THEY SHOULD ALL REFLECT WHICH THEY DONT. 

PLEASE DELETE LISTED ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. 

XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX  Acct # XXXX ALL OF THESE ACCOUNTS ARE REPORTING DIFFRENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) PLEASE REMOVE 15 USC 1681b Consumer agencies are not allowed to report without my written instruction on my consumer report ) 15 USC 1681 section 602 A. States I the consumer have a right to privacy 15 U.S. Code 1681 ( a ) - Congressional findings and statement of purpose- The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 USC 6821 Privacy protection for customer information of financial institutions ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person. 

15 U.S. Code 1681I-Certification of accuracy of information- States that once deleted from my consumer file it has to be reinserted unless i am informed no later than 5 business days. I HAVE NOT RECIEVED THAT FROM IT BEING REMOVED TWICE OVER THE YEARS. 


I DO NOT WANT A DISPUTE I WANT REMOVAL IMMEDIATELY BECAUSE MY RIGHTS ARE BEING PUSHED TO THE SIDE

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I recently was XX/XX/XXXXon the dark web. I notified SSA and froze XXXX and XXXX. Why does it cost money to freeze TransUnion? What purpose is TransUnion?

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 2022-08-22
Company: EQUIFAX, INC.
State: DC
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:
In reference to the Fair Credit Reporting Act : These following accounts are violating my consumer rights by reporting wrong information, putting deleted accounts that were removed recently without notifying in 5 buissness days in the past. Lastly my rights to privacy are violated. ALL OF THESE ACCOUNTS ARE REPORTING DIFFERENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) ON XXXX, XXXX, EQUIFAX. WHICH PROVES MY STATEMENT TO BE TRUE. IF ACCURATE THEY SHOULD ALL REFLECT WHICH THEY DONT. 

PLEASE DELETE LISTED ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. 

XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX  Acct # XXXX ALL OF THESE ACCOUNTS ARE REPORTING DIFFRENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) PLEASE REMOVE 15 USC 1681b Consumer agencies are not allowed to report without my written instruction on my consumer report ) 15 USC 1681 section 602 A. States I the consumer have a right to privacy 15 U.S. Code 1681 ( a ) - Congressional findings and statement of purpose- The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 USC 6821 Privacy protection for customer information of financial institutions ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person. 

15 U.S. Code 1681I-Certification of accuracy of information- States that once deleted from my consumer file it has to be reinserted unless i am informed no later than 5 business days. I HAVE NOT RECIEVED THAT FROM IT BEING REMOVED TWICE OVER THE YEARS. 


I DO NOT WANT A DISPUTE I WANT REMOVAL IMMEDIATELY BECAUSE MY RIGHTS ARE BEING PUSHED TO THE SIDE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
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:
XXXX, XXXX, Equifax has refused to remove a Fraulent account XXXX XXXX XXXX. I have previously submitted fraud reports ... im asking this account. r removed immediately under The Fair Crwdit Reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I never applied for or have gotten any student loans. I am being harassed by student loan debt collectors two to three times daily. I asked them to stop calling this number and just keep calling from different numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I filed a dispute on XX/XX/2022 with CFPB due to I mailed in a dispute on XX/XX/2022 disputing multiple accounts and thus far one of the accounts XXXX XXXX XXXX was updated as Closed/Collection account for what appears to be incorrect amount. 
I received a collection letter on Behalf of XXXX XXXX XXXX from XXXX XXXX XXXX stating a totally different balance than what's showing on my credit report for the company XXXX XXXX XXXX which indicates that the investigation as well as the reinvestigation I requested was not done as requested and which the FCRA states, therefor is a violation of the FCRA. 

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 non-monetary relief
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX  accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 under 18 U.S.C. 1001  any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX  Delete this immediately

Company response to consumer: In progress
Consumer complaint received 2022-08-22
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, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-22
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
comenity bank state to XXXX on complaint ID # XXXX on XXXX responded didn't agree to delete the account by comenity bank/XXXX {$330.00} XXXX XXXX XXXXwhen comenity bank stated to the c.f.p.b.complaint ID # XXXX on XX/XX/22, Non-monetary relief of the accounts of comenity bank XXXX account ending # XXXX plus XXXX and comenity bankXXXX accounts ending # XXXX plus XXXX those are federal forgiven debts and both comenity bank and XXXX have over looked the I.R.S. and the federal trade commission rules on reporting reporting federal forgiven debts, the letter that comenity bank sent to me to up date the accounts above and the statement stated to the c.f.p.b. is sent by certified mail.to c.f.p.b.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: WELLS FARGO & COMPANY
State: NV
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:
On XX/XX/XXXX my wells fargo credit card was charged with XXXX dollars from a cash advance done on line, i notice it on my statement on XX/XX/XXXX immediately call wells fargo, i did a fraud claim they told me that they didn't approve that transaction and they never gave the money to who ever was committing the transaction because it didn't seem right but they still charge my credit card with the XXXX plus fees I've been calling them since then and they put me through every department and they just tell me I have to deposit XXXX dollar to get that charge out of my credit card, I whent to the branch on XXXX XXXX and XXXX XXXX in XXXX XXXX nv and the wells fargo employee told me that they don't do those problems at the bank

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 2023-10-07
Company: MOHELA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I completed my 120 months of XXXX forgiveness, but got a message saying I do not qualify because I do not have enough qualifying months. The next paragraph states I have 121 months that qualify, this needs to be fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have any debts at all. Midland Credit started calling me non-stop. Initially I called back and told them I do not have any debts. Person confirmed but Midland Credit never stopped calling. They call Saturdays and Sundays and late at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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:
The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation