BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: Experian Information Solutions 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:
Inaccurate information reporting on my credit report that are not mine. I have contacted XXXX, XXXX, Experian several times via phone, online and via first class mailings on many occasions in regard to inquiries that is reporting inaccurately. I even provided a police report and I get the same response each time that they have been removed but they are still appearing on my report. It makes it look very bad on my credit report and reporting negatively/inaccurately. I am trying to finance something on my credit report and it makes it very difficult when theyre checking my credit and this inaccurate information is appearing. I have disputed and reached out to XXXX, XXXX, Experian several times and they say the same thing over and over, that we have removed them but they have not sent me anything in writing with proof of the removals. After they were going to mail out letters confirming the removal of the disputed inquiries. XXXX, XXXX, Experian needs to provide proof of validation of these being removed and the results of my disputes. When I call XXXX, XXXX, Experian they keep telling me that their handling it and I should see an update and I never do. The last rep I talked to stated he was taking care of it only to find out he had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following inquiries is what is being reported : 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  How can all the bureaus be using the same information, but some bureaus are reporting correctly & the others are saying verified which is totally incorrect. In addition my XXXX and XXXX score does not reflect my credit profile.

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 2022-09-29
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had a charge from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$390.00} XX/XX/XXXX. The hotel was brand new with amenities. The hotel stated they hand an indoor pool which is the reason I chose this one because I knew we would be staying inside the whole time. The pool was not finished and that ruined our stay for the kids which made it miserable for me. I disputed the amount with the hotel and with Navy Federal put neither company empathized with me as I se we wasted our money. There wasn't anything I could do during our stay because my Fianc was in meetings the whole time and we weren't able to change hotels.The clerk at the hotel told me they were still under construction. They should not have the amenities posted misleading customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: ALLY FINANCIAL INC.
State: IL
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, this Creditor has violated my rights. Under 15 USC 1861, Section section 602 states I have the right to privacy. 15 USC 1681 Section 604a Section 2 also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b, a Creditor may not treat a payment on a credit card account under an 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 explanation
Consumer complaint received 2022-09-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a cash deposit in a ATM XX/XX/XXXX around XXXX of {$880.00}. I always do my deposits thru ATM, and I always check and make sure my account is credited when I make the deposits, this time my phone was off and had to check when I was already gone, 5 mins later in a red light, I realized the amount was not in my account turned back right away to the Wells Fargo branch located where the same ATM is. 
They told me I have to call because they have nothing to do with the ATM outside, I filled a claim explaining them the whole situation, the gave me a temporary credit of {$880.00}, after 1 month they decided the money was never deposited and they took out {$880.00} from my account. I called again trying to ask them to check security cameras, atm cameras etc, because the money was deposited, is not only {$100.00} is {$880.00} that I dont want to lose, they claim they are not allowed to check any footage and the atm cameras just take one picture when you insert your card! 
Now they dont want to open a new claim, they said I already lose that money.

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-29
Company: Westlake Services, LLC
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:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed 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 2022-09-28
Company: EQUIFAX, INC.
State: MO
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:
XXXX encounters error when processing request for Equifax credit report. Going to equifax website, Im required to create an account to access free credit reporting request. Once account is created, clicking on request free credit report results in website hanging and not advancing to report generation- we are temporarily unable to complete this request. Unable to reach an agent at Equifax despite numerous attempts to navigate their phone tree. After saying consumer financial protection bureau complaint to the automated system, I was immediately connected with a customer service agent. They were unable to provide me with a copy of my report and are only able to mail to me- this will be sent out in XXXX business days. The agent had not received any notification that there was a service outage with the website when I asked why I couldnt obtain my report through my online account. Every year it seems I run into issues with accessing my Equifax report - last year I had to submit a paper request and wait for that to processed before they mailed my report to me. At this point their process seems purposefully obstructionist and detrimental to the protection of my credit as the time it takes to receive my report delays my ability to assess changes to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I sent XXXX  XXXX a letter with supportive documents letting them know I was a victim of ID theft. I discovered my previous tenant had made photocopies of all my personal info I immediately reported this to the police. I filed a complaint with FTC, police and sent XXXX  XXXX a completely filed out ID THEFT AFFIDAVIT. I have provided XXXX XXXX with a copy of : 1. Police report 2. FTC report 3. Signed Affidavit explaining my position AS A VICTIM OF ID THEFT 4. A COPY OF MY DRIVERS LICENSE 5 Two utility bills. 

I checked XXXX XXXX XXXX and found out XXXX XXXX put a judgement lien on my house. When I spoke to XXXX XXXX about the fact that they never notified me of their intent to sue they simply stated they hired Hunt & Henriques XXXX XXXX for that and had to take up that problem with them. 

When I contacted Hunt & Henriques, XXXX they told me I have to contact XXXX  XXXX. 

Im stuck in a bad position- all because XXXX XXXX is drilling to many lawsuits into the courts that the court cant catch when the attorney is being negligent or behaving unethically. 

My case is one where a dutifully working attorney would not have acted the way that Hunt & Henriques XXXX XXXX did. 

In XX/XX/XXXX they mailed a notice of intent to sue to THE WRONG ADDRESS / different city. 

XX/XX/XXXX they file statement confirming they could not serve me ( by no fault of my own as I would never avoid being served bc I want to know what Im being accused of ) XX/XX/XXXX they allegedly served me, one month before hearing. They list that there was no one home and that they handed it to a XXXX XXXX woman at the same time! Which one is it? Was the house empty or was this stranger Ive never heard of at my house? ( My wife is a XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX but its a little funny the process server said it was a XXXX XXXX  woman at my door. 

The case should have started from the beginning once they realized they were going to the wrong house! I had been living there since XXXX a simple XXXX  search would have taken them there. 

Instead attorney submitted the documents and made it appear as though everything was done correctly. They won by default and placed a judgement lien on my house. 


The judgement lien should be removed immediately. 

This is debt collection abuse and an investigation would surely show the many many consumers harmed just like I have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Consumer Collection Management. Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2022 - I attempted to get a copy of my record from this company. I am currently trying to get an apartment and my rental report shows I owe them money. This account was included in a XXXX  XXXX bankruptcy, as confirmed by the representative I spoke to. She was unwilling to provide me a copy of my file. I am in need of this to show to the rental reporting companies so that I can clear my file. I asked multiple times and she refused, saying there are no files or records even though she was able to pull up an account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Affirm 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:
n accordance with the Fair Credit Reporting act Affirm Inc # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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:
MY NAME IS XXXX XXXX I AM A VICTIM OF IDENTITY THEFT THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORT DOES NOT RELATE TO ANY TRANSACTION ( S ) THAT I HAVE MADE ITS IS RESULT OF IDENTITY THEFT I'VE CONTACTED TRANSUNION RECENTLY ABOUT THIS MATTER I SENT IN THE FRIST REPORT FTC REPORT NUMBER XXXX ( WWW.IDENTITYTHEFT.GOV ) TRANSUNION SENT ME A LETTER STATING THAT THE FTC REPORT WAS UNVERIFIABLE SO I CALLED FTC WHICH TOLD ME THAT THAT WAS NOT TRUE SO IM RESEND MY FTC REPORT, IVE BEEN BATTLING WITH IDENTITY THEFT FOR ABOUT 2 YEARS I RECENTLY SPOKE TO A TRANSUNION FRAUD REP THEY TOLD ME THAT MY FILE MIGHT HAVE BEEN A MIX FILE, THE REP TOLD ME HE'LL FIX IT BUT STILL NO CHANGES AND IT BEEN 7 MONTHS, UNDER THE FAIR CREDIT REPORTING ACT 15 USC 1681 est seq funishers MUST INVESTIGATE DISPUTES RECEIVED FROM CREDIT REPORTING AGENCIES, IM REQUESTING A 605B BLOCK OF information resulting from IDENTITY THEFT 15 USC 1681C-2 AND 15 USC 1681S-2 ( b ) NO LATER THEN 4 BUSINESS 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 non-monetary relief
Consumer complaint received 2019-05-28
Company: EQUIFAX, INC.
State: IL
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: NC
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:
Equifax has sent me mail stating In order for them to block information from my credit report that an FTC report ( identity theft ) report must be submitted. I have submitted my FTC report many times to them. Please delete this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28
Company: Experian Information Solutions Inc.
State: IL
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2020-04-17
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: Account information incorrect

Complaint:
Equifax is reporting that I have several delinquent accounts. I received a letter from XXXX  during the month of XXXX when I decided to purchase a new vehicle. One of the reasons for denial was too many delinquent accounts. My credit is in good standing and all bills are paid on time. When I spoke with the representative all she could tell me is not to worry about it. I am not going to sit around and not worry about it. This is my credit and the only credit reporting agency XXXX  included in their letter were statements about my credit provided by Equifax. I would like the correct information put in my credit report. There is np proof of any accounts being delinquent. They also have an older page on line when my score was in the XXXX. My score is now XXXX and above. I am very displeased with their services. This is people 's lives they're playing with and they need to submit truthful, not unethical information concerning folks credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: DC
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:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had 2 unauthorized charges made on XX/XX/29 XXXX for {$1000.00} and the 2nd for {$4000.00} Wells Fargo has denied my claim and hasn't stated why

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A .Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1692 Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

According to the provision of the Fair Credit Reporting Act 61 1 ( a ) [ 15 USC 1681i ( a ) ], these items must be deleted from my credit report within 30 days. In the interim, if it is determined through your investigation that the disputed item is inaccurate, please remove from my credit report and send me notification that the XXXX XXXX Potentially negative information has been updated and 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 non-monetary relief