BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct this erroenous account being reported on my File because they have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureau for their willful non-compliance of the FCRA XXXX. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is listed below : XXXX XXXX Late Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, 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 status incorrect

Complaint:
Attached documents show contradictory explanations for unverifiable/inaccurate information for my XXXX ( XXXX ) student loan accounts with XXXX XXXX XXXX It is clear that XXXX has no intention of correcting the erroneous information and has sought instead to delay and dance around their responsibilities as a data-furnisher under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Under the doctrine of contributory negligence, XXXX is marking these accounts as CO because they failed to provide timely information for the accounts as required under TILARegulation Z and failed to conduct themselves under section E.1 ( b ) of the MPN ( p. 16 ). They do not even deny stopping statement generation ( ie. no paper statements and no electronic statements ). However their justifications vary grealy from changing an alleged status from " deferment '' to " forbearance '' to get around the provisions of XXXX ( b ) of the MPN, claiming XXXX knowledge of my XXXX and my alleged failure to request copies of my statements as a reasonable accommodation under XXXX for documents and access to electronic documents TILA/ XXXX XXXX and 12 U.S.C. 5533 make clear XXXX is required to provide to EVERY consumer. Their latest reasoning ( p. XXXX ) for these violations of law is allegedly due to returned mail from my address the CRAs can verify I continued to reside well after te alleged returned mail. Moreover, their latest reasoning claims they only began generating statements again once I " confirmed my mailing '' address. Not only is this non-sensical, but their own statement from XXXX XX/XX/XXXX ( p. XXXX ) makes clear that they allegedly had XXXX ( XXXX ) contact with me between XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. It is based upon this justification XXXX purports the derogatory information furnished to the CRAs is " valid '' The full scope of the erroneous/contradictory/unverifiable information is attached. If XXXX is supply responses to the CFPB that contradict its prior responses for issues that should have been resolved within the past XXXX ( XXXX ) years, then it is clear they are not verifying the accuracy/integrity of the data they are supply for these accounts in my credit files. At least XXXX ( XXXX ) of the CRAs has reached the same conclusion and removed the derogatory information from my credit files. XXXX claims ignorance and has sought to blame the CRAs for the inconsistencies. All of the erroneous information needs to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/XXXX. Equifax charged my XXXX {$140.00} for an annual subscription to Equifax Credit Watch Gold with 3-1 Monitoring   XX/XX/XXXX. Called Equifax to cancel subscription to Equifax Credit Watch Gold with 3-1 Monitoring and was told by Equifax  representative XXXX XXXX that I would need to confirm my identity by sending a copy of my W-2 and drivers license to XXXX. XXXX  XXXX, XXXX, GA XXXX XX/XX/XXXX Via certified mail, sent copies of my W-2 showing social security number and copy of my NY drivers license that shows my current address via certified mail. Also instructed Equifax to cancel the subscription and told Equifax they have no authorization to charge any of my credit card accounts for any services. 

XX/XX/XXXX. Received confirmation from USPS that letter was delivered to Equifax XX/XX/XXXX at XXXX XXXX  XXXX/XXXX/XXXX I called Equifax and spoke to representative XXXX XXXX XXXX. He said it will be 7 to 10 business days from XX/XX/XXXX, so should be able to cancel XX/XX/XXXX to XX/XX/XXXX. XXXX  claimed he draft up a ticket number to make sure my request is processed and he provided me the ticket number. 

XX/XX/XXXX I called Equifax and spoke to representative XXXX XXXX, who confirmed my account and then attempted to sell me more product. I explained to her the history of me attempting to cancel and I just wanted to cancel. She put me on hold and then told me she couldn't cancel my account but I should call Equifax Global Consumer Care XXXX. 

XX/XX/XXXX. Per instructions from XXXX  XXXX, I called Equifax Global Consumer Care XXXX several times and nobody answered. 

XX/XX/XXXX. Called main line for Equifax and was given a new number to call XXXX to cancel subscriptions. 

XX/XX/XXXX XXXX XXXX  called XXXX and talked to XXXX XXXX who said his system was down and I needed to call back in 2 hours XX/XX/XXXX XXXX XXXX  called and reached XXXX XXXX who told me that my account has been inactive since XXXX and she has no record of the charges on XX/XX/XXXX. XXXX said she can't cancel the subscription because the account is inactive and she said any charges subsequent to XXXX would be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Yes I have contacted XXXX XXXX  XXXX? XXXX XXXX XXXX? Wellsfargo? XXXX aka XXXX? XXXX XXXX? XXXX XXXX? XXXX XXXX and several others reporting activity tbats being done in my name including 4 reports to XXXX XXXX the DMV a complaint with XXXX XXXX Sheriff 's dept and my drivers license are even being used and I cant get any help nowhere.

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 2022-07-28
Company: Experian Information Solutions 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:
Written requests have been submitted to the 3 Credit Bureaus via Certified Mail and online to inform that this account with XXXX Bank, with account number XXXX and Credit Limit of {$3.00}, XXXX was never authorized. The bank was never permitted to open an account with the given information unless my personal requests are met. I believe they have understood my requests but as I checked my Credit Report, the account is still reporting with a closed status. I have instructed the Bureaus and the Bank to remove it from my Credit Report but they have consciously and continuously doing the same thing. I am doing my best to make my profile cohesive with and in good standing but the Bureaus and XXXX Bank 's actions are trying to ruin it.

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 2022-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I met a boat mechanic on XXXX XXXX After meeting with him he said I needed a transmission and engine {$860.00} and {$1500.00}. He gave me a check to deposit claiming he needed the money to start and it would be cleared when his company paid him for a commission. The check was for {$3800.00}. I was skeptical but the check cleared XXXX in the morning. So I thought it was good and he asked me to XXXX {$2500.00} to his partner for assistance and I withdrew the other {$1300.00} and gave to him to pay for the labor. In the afternoon I checked my account and it was negative the {$3800.00}. The check bounced on a closed account. So I tried to contact him and have had no success.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Amsher Collection Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the collection company many times but they are failed to provide necessary documentation that will prove that this account is mine. Please remove this account on my credit report because it's affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: SC
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 am a victim of identity theft. My credit report has been shared and pulled without my authorization and I have not benefited from such inquiries. Wrong addresses, employment and information retaining loans are incorrect and false representation of me. I have reached out to XXXX  on several occasions, stated my laws and rights according to FCRA and my requests have yet to be fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is not right, it should be XXXX XXXX XXXX and not XXXX XXXX. 

Also I have two address on my report that are not mine, the following addresses are XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hi, my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. These items are hindering me from getting the car and house I want. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-10-05
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:
These are not my accounts, I dont know who accounts these belong too can you please remove them.

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 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXX XXXX XXXX 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

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 2022-06-25
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This report was made to the XXXX XXXX XXXX. 
On XXXX the mail was retrieved from our XXXX XXXX XXXX XXXX XXXXXXXX XXXX. ga XXXX retrieve opened envelope from citibank. 
inside of envelope a letter no of the citibank official letter head but had the code beginning at the bottom FRD which is the doj/fraud unit. 
it appears there is a possible operative within this unit and or someone within the postal service possibly switched out forms. the envelope contained a commercial it form and wanted writing samples and also requested tons of personal information. this is not legit. 
we will not be submit information which will cause us to have more fraud or accused of us of committing fraud by transferring signatures. 

furthermore, if citibank is attempting to be post-proactive like the other fraudulent mortgage companies, it's a lot bit to late! another admission of guilt! 


this is OUT OF CONTROL!

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 2022-07-28
Company: Experian Information Solutions Inc.
State: MD
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 have identified information on my report which are a result of identity theft, these items are not related to any transactions complete by 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 2022-06-25
Company: EQUIFAX, INC.
State: PA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the following unverifiable accounts : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance : {$360.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$850.00}, XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the following unverifiable accounts : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$360.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$850.00}, XXXX XXXXXXXX Balance : {$0.00}

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 2022-05-27
Company: Self Financial 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 information incorrect

Complaint:
The company self inc is reporting different payment history to all three credit bureaus which is negatively affecting my credit score. On XXXX theyre reporting that I was late for XXXX and XXXX of 2022 but yet for XXXX they reported that I was late for XXXX of 2022 but on time for XXXX of 2022. As for XXXX they did not report any payments for XXXX or XXXX. This has greatly affected my score and prevented me from residences to apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: DE
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 had a car loan with XXXX XXXX XXXX that started in XX/XX/XXXX. I was a co-signer for my daughter and was unaware of the payment history. When I did find out after someone called me about a repo, I took over the payments as of XX/XX/XXXX when I paid what was owed plus the payment for XX/XX/XXXX. I was told my next payment would be in XXXX. Then in XXXX when I called to make a payment, they advised me that I owed XXXX as well! I had them check their records and it showed that I did pay double in XXXX to cover XXXX however they REFUSED to remove their mistake. Going forward, I paid more than the payment just to get this over with. Sick with XXXX XXXX, I made my last payment in XX/XX/XXXX. While making that payment, the lady couldn't figure out why she couldn't take the whole payment. I sat on the phone while she figured it out and she said that when you start a loan with a credit union, that they start a savings account which had {$5.00} in it. So I'd have to pay everything minus {$1.00} which they would take out of the savings, close that account and send me a check for {$4.00}. I could careless about that {$4.00}, I just wanted this account paid and behind me, I wasn't even looking for that check. However, late XXXX, I get a call from XXXX, saying that I am a month overdue on my payment!! I ask this lady, how is that when it was paid in full last month! This crazy lady said the balance was a {$1.00}! I asked her if she was serious? Who in their right mind would do that? I explained to her what the obviously very new employee did and said the month before and that I was waiting for a {$4.00} check as well as the title to the car. I was THEN informed that I need to write a letter stating that I no longer wanted the savings account and that then they would take the dollar and close the account. It needed to be hand written and have my signature and then emailed over. I did that AS SOON as I hung up and it was fixed. NO FAULT OF MINES that the first lady didn't know what she was doing and then they refused to take off the late payment on my report for XXXX on XXXX and Equifax, it was fixed before hitting Transition.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to buy a car from XXXX XXXX XXXX due to a financing ad they had posted about a great interest rate. I was aware they would run my credit and signed for them to do so, however, they ran my information/credit through SEVERAL different loan agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX. I am assuming XXXX XXXX, XXXX XXXX and XXXX XXXX are all the same and permission was given but I did not give permission for the other XXXX Companies and Id like them removed.

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