BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent out a 2 letter To Verify The Accuracy On my Credit Report. It's been way over 30 days in I don't have a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be block and remove. They were unable to provide me with a copy of the documentation as proof so i want it removed.

Also under 15 us code 1681 2. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: WELLS FARGO & COMPANY
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX XXXX XXXX I did go here to look at a car but backed out of car deal and still they ran my name to many times XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never in my life asked for a credit card thru XXXX NEVER XXXX XX/XX/XXXX refuses to take any action!! Once Again didnt know they was running my name 10 times XXXX XXXX XX/XX/XXXX didnt ask for this to be ran either 2 XXXX  XXXX credit cards XXXX XX/XX/XXXX I did not file for a card they XXXX XXXXXXXX ever!!!! 
XXXX XXXXXXXX XXXX XX/XX/XXXX did not ask for this to be ran either!!! 
The buckle XX/XX/XXXX didnt take action even tho I didnt apply for this at all! Never applied for this company says nothing can be done!!! 
XXXX XX/XX/XXXX refused to remove even tho I did apply for this card either!!! 
XXXX XX/XX/XXXX twice didnt ask at all to be ran either all these are on my XXXX and some on my XXXX please help me with these! I worked hard to get my credit up and then I see all this and been trying for months to get help with removing all this off of my credit

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 2017-09-08
Company: EQUIFAX, INC.
State: AR
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:
On XXXX I found out that I was was affected by the Equifax security breach. Equifax demonstrated a blatant lack of security by storing sensitive, personal information on their servers in a plain text file instead of an encrypted file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OH
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 was on the list of individuals impacted by the Equifax Data Breech.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX # XXXX is reporting an account that is not mine. I have never heard of this and have no idea what this is. I never received anything for it and I am very sure it is not mine.

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 2017-09-08
Company: EQUIFAX, 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:
Information was improperly handled by Equifax and as a result, ended up being collected by malicious parties. The option to obtain credit monitoring and restoration services should be available without having to opt out of a class law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
When I filed for bankruptcy, my lawyer included my car loan in the bankruptcy against my directions. The loan was paid in full. I have the title and the letter from the bank that states these facts. I have filed a dispute with Experian and they still have not changed the info on my credit report. This is very, very unfair. I paid the loan off either on time or maybe 1 month late. I am not sure. Please 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 explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX card - reporting late on 3 credit reports XX/XX/2019 by 30 days. account number XXXX account has never been late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Debt does not belong to me and is showing on my credit pass 7 years. XXXX & Experian is showing a XXXX XXXX inquiry on my credit and should be deleted and removed from my credit report. two accounts are affecting and hindering my credit and opportunities greatly.

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 2022-02-10
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
We have been paying our credit card for over five years and were recently alerted that we have been taken to a small claims court. We have contacted the attorney representing them, contacting American Express ( said they are researching it ) and contacted XXXX XXXX XXXX ( nonprofit counseling service ) who pays our credit card bills. It has been several weeks of contacting all three companies and even just sent the attorneys screenshots/proof from Amex 's website clearly showing 14 consecutive monthly payments ( see attached ) from XX/XX/XXXX to XX/XX/XXXX with no missed payments. 

This is clearly an abuse of power and very unethical for a bank to have this type of power without any type of reasoning and or proof for arbitration. 

We need the federal government to assist us with this great abuse of power from this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

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 2020-02-04
Company: U.S. BANCORP
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2020 I received a phone call from US Bank Mortgage. The auto phone call stated that an amount of {$1700.00} was due, then the representative told me the amount due was {$1800.00} was due. I told them that I paid the bill via XXXX e-pay, which I always do. The mortgage was due on XX/XX/XXXX, a Saturday. I sent the payment XX/XX/XXXX and it has been delivered to US Bank today and is funded. This should be posted as soon as its received, which is a violation of Section 6 of RESPA, and Section 36 of TILA. This is the 3rd time this has happened with US Bank. This is harassment and I should not have to be subject to this type of predatory collection. US Bank should be ashamed of themselves.

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 2015-07-13
Company: PNC Bank N.A.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a XXXX mortgage with PNC. The interest rate is very high. I have not received a statement for several years. they used to send a letter that acknowledged my payment, but that stopped too. My crime is paying early. According to XXXX of these letters, since I pay early I am not entitled to a statement. I have tried to sign up for online access, but it is not possible. Whenever I try to call the wait is longer than XXXX minutes. for 9 %, it would be nice to get some information about my loan. 

I have attempted to complain directly to the company, but I a form response that ignored my questions. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am not satisfied with the way the Credit reporting Agencies dis their investigation. The Accounts I am disputing was never corrected and are still reporting erroneous information in my Credit file. The following accounts are inaccurate and is leading to a negative effect on my Credit File. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting them to take their time and conduct a proper investigation to verify the accuracy of these accounts and correct any inaccuracies. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$6700.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$2000.00} XXXX  - CARD SERVICE XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX  - CARD SERVICE XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am not satisfied with the way the Credit reporting Agencies dis their investigation. The Accounts I am disputing was never corrected and are still reporting erroneous information in my Credit file. The following accounts are inaccurate and is leading to a negative effect on my Credit File. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting them to take their time and conduct a proper investigation to verify the accuracy of these accounts and correct any inaccuracies. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$6700.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$2000.00} XXXX - XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX  - CARD SERVICE XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX : {$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 2017-09-08
Company: EQUIFAX, 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:
" XXXX XXXX, 2017 Equifax Inc. XXXX XXXX : XXXX XXXX today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers .... The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. '' ( https : //www.equifaxsecurity2017.com/ ) I was informed that my account was impacted by this incident via Equifax themselves ( via this link ) : https : //www.equifaxsecurity2017.com/potential-impact/

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OR
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:
this is part of that huge equifax problem that 's been reported in the news recently. I went to the site and entered my information and was told my information was probably stolen. I do n't want to take advantage of the XXXX offer because of the arbitration clause and that I will start getting charged for the service after a year. I feel this is a shameless money grab. Equifax failed to keep my information private and did nothing to inform me until this week when they knew about the breach over a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: FL
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : " XXXX XXXXXXXX XXXX XXXX : {$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 explanation
Consumer complaint received 2017-09-08
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XX/XX/XXXXInquiry - I wrote this company advising them I never applied for credit and never received a response back XXXX XXXX XXXX XXXX XX/XX/XXXX inquiry- I wrote this company advising them I never applied for credit and never received a response XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company advising that I never applied for credit and never heard anything back.
TD BANK USA/TARGET C XX/XX/XXXX- inquiry, Target advised me they would send a letter to the credit bureau to remove and has not been completed.
XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company onXX/XX/XXXX advising I have never applied for credit and never received any response.
XXXX XXXX XXXX XXXX XX/XX/XXXX I wrote this company onXX/XX/XXXX advising I have never applied for credit and never received any response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 : DEPTEDXX/XX/XXXX XXXX Balance : {$1500.00} DEPTEDXX/XX/XXXX XXXX**** Balance : {$1600.00} DEPTEDXX/XX/XXXX XXXX**** Balance : {$1700.00} DEPTEDXX/XX/XXXX XXXX Balance : {$2600.00} DEPTEDXX/XX/XXXX XXXX Balance : {$2100.00} DEPTEDXX/XX/XXXX XXXX Balance : {$2100.00} DEPTEDXX/XX/XXXX XXXX Balance : {$1200.00XX/XX/XXXX XXXX Balance : {$8700.00} XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX 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 2022-07-12
Company: EQUIFAX, INC.
State: OR
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 Account # XXXX on my credit report is a clear violation of 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 : States a consumer reporting agency can not furnish an account without my written instruction. This was also medical situation making it a HIPPA violation.

Company response to consumer: Closed with explanation