BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2018-03-29
Company: ONLINE Information Services, Inc.
State: PR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ONLINE INFORMATION SERVI has reported items that I don't know where they come from as doesn't specify who is the client. If this account is regarding XXXX XXXX it should be under the Charity program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Subject : Formal Request for Validation of Bankruptcy Entry on Credit Report I trust this letter finds you in good health. I am writing to formally request validation of the bankruptcy entry that is currently listed on my credit reports with XXXX, XXXX, and Equifax. Despite previous attempts to address this matter directly with these bureaus, I have not received the necessary documentation or validation from the bankruptcy court to substantiate the inclusion of this entry. 

It is my understanding that, in accordance with legal standards, any information reported on credit files should be supported by validation from the relevant court. As such, I kindly request that you provide the documentation supporting the presence of the bankruptcy entry on my credit reports. 

I have attached copies of my previous correspondence with XXXX, XXXX, and Equifax for your reference. I am confident that your attention to this matter will help ensure the accuracy and legality of the information contained in my credit reports. 

Thank you for your prompt attention to this request, and I anticipate a timely resolution to this matter.

I have also took the liberty of writing United States bankruptcy court here in Washington DC and they say they do not provide no information concerning individuals which I have attached Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: W&A Intermediate Co., LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
wakefield and associates are attempting to collect a debt, they are not authorized to do business in georgia and they have not provided verifiable documentation acknowledging that this is my account. I have no knowledge of such debt. This has caused a negative effect on credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: AZ
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 corrected for erroneous reporting in my file are listed on my credit report o XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$150.00} o XXXX XXXX XXXX  Balance : {$1400.00} o XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$150.00} o XXXX  XXXX XXXX Balance : {$1400.00} o XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$150.00} o XXXX XXXX XXXX Balance : {$280.00} o XXXX XXXX XXXXXXXX  Balance : {$1300.00}

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 2023-07-31
Company: Experian Information Solutions Inc.
State: WA
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:
Ive asked to remove XXXX XXXX XXXX they are not residence and the XXXX XXXX XXXX is not my residence address its where the XXXX XXXX XXXX located! XXXX XXXX was sold to another lender! I have no control over it and it closed, was paid off and transferred to new lender which is current! The names XXXX XXXX, XXXX XXXX or XXXX XXXX are NOT my names! Ive asked over and over to remove them from my personal information! Several accounts are duplicates and my ex boyfriend charged them without me knowing! Many of the hard inquiries are identify theft! Not mine! I want to opt out of XXXX I dont know what that is and Ive never filed bankruptcy. This is my 3rd time requesting it to be fixed! All 3 credit report companies have my personal info wrong and hard inquiries are not all mine, identity theft! The 6 accounts, my ex charged without my permission! 2 are the same and I never had a contract with XXXX! Id like this fixed and they arent acknowledging me and my request. Plus they are old and it states negative! Furthermore lock my account because theres too many hard and soft inquiries! Ridiculous!!!

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 2023-11-07
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Issue is with a transaction through Wells Fargo Bank involving a VISA Debit Card, I noticed an unfamiliar charge that appeared on my on-line banking record indicating a funds transfer for {$60.00} on XX/XX/. I called Wells Fargo XXXX XXXX on XX/XX/ to report the charge by which time three more charges had been transferred to the same unfamiliar account via a XXXX service. The three additional charges were still pending at that time. Wells Fargo cancelled the debit card but indicated that they couldn't stop/freeze the pending funds transfers. The total amount transferred to the unauthorized person ( identified as XXXX was {$850.00}. 

Wells Fargo issued card reversals on XXXX XXXX XXXX  to total the {$850.00}. and indicated that they were investigating. 

I received a letter from Wells Fargo dated XXXX  indicating that they had completed their research and stated that they found that the charges were made by me and thus were reversing the reversals. I contacted Wells Fargo on XXXX  and again on XX/XX/ and was informed that they had submitted my complaint to VISA, VISA supposedly did an investigation, and sided that XXXX had verified the transfer appropriately and that I was now responsible for the charges. Wells Fargo provided a phone number and email that was used to verify the funds transfer for a service through XXXX, neither of which are familiar to me and certainly not authorized by me. The phone number used to verify the transfer was XXXX and an email of XXXX. The phone number comes back to a number in XXXXXXXX XXXX, at least by my research. Again, I have never done business with this person and never authorized any funds transfer to them. 

Wells Fargo have indicated that they can do no more as VISA is the final arbitrator. VISA never contacted me in their investigation, neither has Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23
Company: EQUIFAX, 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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: NC
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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: FC HoldCo LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
The loan is extremely high. The interest-rate is also extremely high, and they harassed me after one day of being late and they dont start calling until its paid it doesnt matter if its one hour late or one daily they harass me until I pay which is unethical and harassment to the 10th degree o am Upset with the company on top of that. There are a bunch of things wrong with the car that they dont want to fix

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 2023-12-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened Relation Checking account with BMO bank on XX/XX/2023. At the time of opening the account, there was an offer of {$600.00} opening account bonus once {$7500.00} of direct deposit made with XXXX  days ( attached ). 

On XXXX XXXX, I called BMO bank to inquire on the offer as I had completed all the qualifications. 
XXXX told me that the offer was to complete requirements in XXXX  days and not XXXX  days and hence, I would not be eligible for the offer. I tried to explain that BMO had a revised offer of XX/XX/XXXX and that is exactly the reason I opened this account. 

BMO XXXX  did not honor the request, I sent a written complaint as well. I need CFPB to look into this matter and penalize the bank for predatory practices.

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 2023-08-22
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX ran my credit back on XX/XX/2023. I called them directly with no resolve. I disputed it with XXXX but they have not removed it. I have written letters and it still has not been removed. 

XXXX XXXX ran my credit XX/XX/2023. I did not authorize this. I wrote them a letter and it was returned unclaimed. I disputed with Equifax but they did not remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: Atlanticus Services Corporation
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I saw an unknown credit card on my credit report from XXXX FORTIVA  XXXX, which I did not apply for. I reached out to XXXX and filed a dispute on XX/XX/23. They completed their investigation on XX/XX/23 and said the account is verified as accurate. I reached back out to XXXX again explained that this credit card is not mine but I was told to file a second dispute. I tried to call the credit card company to cancel the card, and they asked me to provide the last 4 digits of the credit card which I do not have. The consumer credit report that I received from XXXX doesn't show the last four digits on the account. I also tried to log into the credit card 's website to cancel it that way, but their website kept rejecting my phone number as incorrect, although it is a number I have had for over a decade. Please help! Thank you! 

INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Not Specified. Here is how this account appears on your credit report following our investigation. 

XXXXFORTIVA XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-23
Company: EQUIFAX, INC.
State: AR
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 am formally request for the removal of inaccurate items from my credit report, which I believe are negatively impacting my credit profile. Upon reviewing of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned items are inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX Opened XXXX XXXX, XXXXXXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 a victim of identity theft please remove this fraud inquiry 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 2023-09-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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