BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: Experian Information Solutions 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 am a living being, I have rights 15 USC 1681. XXXX is govern 15 USC 1681. And they violated my right numerous of time. I demand the accounts listed below be removed because : According to 15 USC 1681- I have the right the privacy and did not give XXXX written permission to furnish these accounts. Accounts : XXXX XXXX Financial - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financing - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: EQUIFAX, INC.
State: VA
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:
Someone stole my credit card then used it fraudulently. I contacted the card user about the fraud. I sent the card issuer an identity theft affidavit & a police report. XXXXXXXX XXXX, the card issuer, is refusing to remove the negative information from my credit report thereby violating the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: WELLS FARGO & COMPANY
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:
i sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.

according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

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 2023-05-21
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to redetermined my identity with the bank but the website they gave me to do it with doesn't exist the website is XXXX locked out of my account on XXXX I'm on XXXX and XXXX and they know that.dont know where my XXXX payment went.

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 2023-05-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Yes a complaint t has already been filed in which I only received a letter stating more time was needed in this issue. I did not know of any certification of identity needed until I opened this website to find out the outcome of this complaint. I am requesting more time to verify my identity due to never receiving the request for my issue in the first place. Still XXXX was taken from my account illegally but by who? Surely not myself. Wells Fargo is XXXX insured do what happened to my money? And why was my account closed.

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 2023-02-19
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX  # XXXX. 
Account name : XXXX # XXXX. Account name : XXXX  # XXXX. 
Account name : XXXX # XXXX. 
Account name : XXXX # XXXX. 
Account name : XXXX/XXXX  # XXXX. 
Account name : XXXX XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX  # XXXX. 
Account name : XXXX XXXX # XXXX. 
Account name : XXXX XXXX # XXXX. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX # XXXX. 
Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX Account number XXXX has violated my rights to privacy and confidentiality 15 U.S.C. 1681 Section 602 A States I have rights to privacy.

15 U.S.C. 1681section 604 A Section 2 : It 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 make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer reporting agency if 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 explanation
Consumer complaint received 2023-05-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wellsfargo branch in XXXX, CA, around XXXX  open new account in my name without my permission. After I told the customer service i do not need to open another account, they insisted to keep my new account open. I left of the Wellsfargo bank, believed they closed my account, but they didn't. After I went back to the branch many times, finely they closed my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Beginning XX/XX/XXXX of this year, it has been nothing but a nightmare with Bank of America. I had some fraud on my account and filed a police report. First of all, they did not send any kind of transaction fraud alert to my phone. There was a wire transfer of {$13000.00} done on XX/XX/XXXX. It was transferred to a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Come to find out XXXX  is a victim as well of this fraud ring as the account was never opened by her. Then other charges were incurred on XX/XX/XXXX for cash app for {$25.00}, {$50.00}, {$75.00}, & {$190.00}. There was also a charge incurred from the bank as a wire transfer fee of {$1000.00}. I filed numerous claims with them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. They each were denied. Stating that it was my fault basically that these people scammed me. As we are elderly in the eyes of the law, my husband being XXXX and I, myself, being XXXX that is a big deal in the XXXX of Texas. I have had m daughter working on this since it happened. XXXX  has filed reports with our local municipality and XXXX  has gone to her attorney seeking help, since BofA does not want to do anything about this. XXXX  has also contacted our local news station XXXX Investigates to try and access some kind of assistance. My husband was a first responder for the XXXX of XXXX for many years and did not work all that time to make sure we were secure in our retirement for a bank that we have banked with since XXXX just to shrug us off like we are nothing. I am pretty sure that there are others out there that do not have what we have that are getting scammed the same way we have. So I am begging for your help at this point. If you could please help us that would awesome. As we have exhausted all of our avenues at this point. Quite frankly, no one can believe that BOFA has not resolved this issue in a better fashion then they have. Please advise as to what we need to provide or do at this point. Also, my daughter contacted the DA that prosecutes XXXX XXXX in our county as XXXX  was told to do by her attorney and they informed the detective that is on our case that they would help any way they could, But we have still heard nothing. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that have been listed on my credit report. The accounts in question are as follows : XXXX XXXXXXXX late payment account XXXX XXXX XXXXXXXX late payment account XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX PA ) XXXX collection account XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) collection account XXXX XXXX XXXX XXXXXXXX charge off account XXXX XXXX XXXX charge off account XXXX XXXXXXXX charge off account XXXX ( Original Creditor : XXXX ) XXXX collection account XXXX  ( Original Creditor : XXXX ) XXXX collection account XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account I dispute these accounts as they are inaccurate and do not belong to me. I have reviewed my credit report and have found that these accounts do not reflect my payment history or credit behavior. I believe these accounts were reported in error and should be removed from my credit report. 

Furthermore, I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ) Section 609. Under this law, I am entitled to receive a copy of any information in my credit file. I request that you provide me with a copy of the documentation that supports the validity of these accounts, including the name and contact information of the original creditor. 

If the accounts can not be verified, I request that they be removed from my credit report. I also request that you inform me in writing of the outcome of your investigation, and that you send me an updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My identity was stolen that resulted in a XXXX account being opened for {$140.00} that closed. A bankruptcy thats on my credit file submitted by another company.The court i filed with stated that they do not share that information with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX {$5200.00}

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 2023-01-24
Company: Experian Information Solutions Inc.
State: PA
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:
The credit bureaus never did a proper investigation according to the FCRA In accordance with the fair credit reporting everything has to be a 100 % accurate on my credit report The credit bureau 's stated my account was properly investigation but how is that possible if the open date last active is inaccurate and the date last reported is not accurate this is grounds for removal. 

In accordance with the fair credit reporting at XXXX Accounts & numbers : 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 states I have 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX Account : XXXX We are requesting under the Fair Credit Reporting Act ( FCRA ) to have errors and imcompletions corrected in our credit reporting. These same errors were previously disputed, but were never corrected. These errors and incompletions were previousy disputed, but no action was taking to correct them. 
Please correct according to the providers documents, and if no correction, provide to us copies from the original loan documents that supports otherwise. 
From the CFPB : " Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report '' Please update the credit reporting for my Lendmark Finanacial account with the following : 1, Correct he balance from XXXX to what is showing on the XXXX Statement XX/XX/XXXX to the listed balance on the statement. Amount {$10000.00} - see attached 2, Correct the imcomplete payment reporting to show XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX -- {$430.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00} consectitively 3, Correct the first month payment as recorded in the agreement ( see attachment - XX/XX/XXXX ) 4, Remove all entries for XXXX and XXXX. There are no payment obligation for those two months. The XXXX and XXXX payment entries caused credit score to drop drastically, because there were two scheduled payment entries, and no payments were entered. 
There is an {$450.00} balance diference that triggers a drastic decrease in credit scoring **** PLEASE RESPOND TO OUR REQUEST USING THIS SAME SYSTEM - CFPB ****

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX Account : XXXX We are requesting under the Fair Credit Reporting Act ( FCRA ) to have errors and imcompletions corrected in our credit reporting. These same errors were previously disputed, but were never corrected. These errors and incompletions were previousy disputed, but no action was taking to correct them. 
Please correct according to the providers documents, and if no correction, provide to us copies from the original loan documents that supports otherwise. 
From the CFPB : " Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report '' Please update the credit reporting for my XXXX XXXXl account with the following : 1, Correct he balance from XXXX to what is showing on the XXXX Statement XX/XX/XXXX to the listed balance on the statement. Amount {$10000.00} - see attached 2, Correct the imcomplete payment reporting to show XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX -- {$430.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00} consectitively 3, Correct the first month payment as recorded in the agreement ( see attachment - XX/XX/XXXX ) 4, Remove all entries for XXXX and XXXX. There are no payment obligation for those two months. The XXXX and XXXX payment entries caused credit score to drop drastically, because there were two scheduled payment entries, and no payments were entered. 
There is an {$450.00} balance diference that triggers a drastic decrease in credit scoring **** PLEASE RESPOND TO OUR REQUEST USING THIS SAME SYSTEM - CFPB ****

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I started a dispute in XXXX regarding inaccurate information on my credit report. Tried to dispute the items and the Company replaced the negative information with different negative information and I disputed that information and they removed the negative information and replaced it with the original negative information that doesn't belong to me, these creditors never had a relationship with me. 15.US Code 1681i ( 5 ) ( b ) : Reinsertion of deleted Item, 15 US Code ( 5 ) ( a ). Accuracy. Both Codes refer to my situation and according to the law these inaccurate items should be removed from my credit report.

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 2023-05-22
Company: Affirm Holdings, Inc
State: PA
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:
It all started when I took out something in payments by affirm for XXXX and I was paying everything well my payments were done automatically and everything was fine until one day I started to look at how much I owed and that's when I realized that the payments had not been made in 60 days when I always made my firm payments I was never late I was confident that I had everything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % 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

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