BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
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: Investigation took more than 30 days

Complaint:
I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, XXXX / XXXX / TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX i believe it was reporting in error.

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 2022-08-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, Equifax / XXXX / XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX i believe it was reporting in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested debt validation from this company by mail on two occasions. I have not heard back and dispute the validity of this debt. I have not received anything in the mail that would indicate that I am the person responsible for this debt. Furthermore ; on XX/XX/2020 the business entered into a consent order with the United States of America Bureau of Consumer Financial Protection. The consent order settles allegations that the business Afni furnished information to consumer reporting agencies ( CRAs ) that it knew or had reasonable cause to believe was inaccurate and failed to report to CRAs an appropriate date of first delinquency on certain accounts. The Bureau also found that Afni failed to conduct reasonable investigations of disputes made by consumers both to Afni and to CRAs about furnished information and failed to conduct investigations of disputes made to Afni in a timely manner. 

I believe that I am one of the persons who your company failed to do a proper investigation of an alleged debt in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

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 2022-08-03
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: Investigation took more than 30 days

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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: Personal information incorrect

Complaint:
I sent out certified letters to all three credit bureaus informing them of my address change but its still showing up on my 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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1000.00} 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 2022-08-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

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 2022-08-03
Company: Experian Information Solutions Inc.
State: GA
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 company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions and consent.

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 explanation
Consumer complaint received 2022-12-23
Company: U.S. BANCORP
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I receive an annuity payment from XXXX XXXX in the XXXX which is deposited as a international wire transfer into my US Bank account each XXXX. The annual payment is for XXXX. When I received my first payment on XX/XX/2021, I received the dollar equivalent of {$4400.00}. This month on XX/XX/XXXX, I received the amount of {$3400.00} which is not I believe coincidentally the exact amount in pounds sterling that was deposited by XXXX XXXX. When I contacted US Bank about this on XX/XX/XXXX, they said they were unable and unwilling to tell me the exact amount that had been deposited in my account. I believe that US Bank has made an error in not converting the pounds sterling deposit they received into dollars. I have verified with XXXX XXXX that they made the deposit by international wire transfer this year as they had done last year. 

I have attached a cover letter from XXXX XXXX showing the details of the annuity payment and also a screenshot from US Bank showing the deposit amount in my account.

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 2022-12-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I attempted to make a balance transfer using a Wells Fargo transfer check attached to my credit card account. Although the debited my account the the {$1200.00} dollars it was never credited to my intended XXXX card account. I have made 5 attempts by phone to rectify the problem with Wells Fargo, and one written correspondence with no results.

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 2022-06-09
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX ] a natural XXXX XXXX consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 


I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably. 

Also, In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 







Kind regards, XXXX XXXX XXXX : CFPB XXXX : FTC XXXX : ATTORNEY GENERAL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
From XX/XX/XXXX until the month of XXXX of XXXX I have submitted multiple requests to have information verified and each time nothing happens. Please examine my documents I have put together that shows the credit bureaus incapability to assist me in the matter. 

As of XX/XX/XXXX I have received response from Equifax and XXXX. Both companies are 100 % certain the investigation they conducted was thorough and fair. Attached will be a letter thoroughly explaining what information is wrong and from what accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate and correct the unverifiable items listed below : DISCOVERBANK Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : 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 2022-08-24
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX XXXX XXXX Account Number : XXXX XXXX : {$8500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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:
To whom it may concern. 

My name is XXXX XXXX XXXX. I was checking my credit score and I noticed 2 hard inquiries that I did not make. They were booth on the same day XX/XX/2022. One was reported by XXXX and one by Experian. 

The XXXX one was showing the inquiry done by " XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ''. I tried to contact this agency on the phone number I found online ( XXXX ) XXXX which no one answered. I research that institution online and it says that agency is closed. 

Experian was showing that inquiry done by " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I found their phone number and contacted them on ( XXXX ) XXXX ''. They confirmed they received the request but were investigating because they could not confirm it was really myself, they told me I was victim of fraud. They said they would stop the process right away and send a letter to Experian and to myself. 

I contacted XXXX and they directed me to file a complaint with CFPB for fraud and send them the document. 

Someone used my information with XXXX and XXXX XXXX XXXX. I was victim of fraud. I am contacting Experian, XXXX, XXXX, XXXX and XXXX XXXX to put a fraud alert. 

Thank you.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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, State of Ct Department of social service Acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX  Acct # XXXX Have 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 instruction.

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 2022-08-03
Company: Experian Information Solutions Inc.
State: LA
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 a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX 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 explanation
Consumer complaint received 2022-10-24
Company: General Motors Financial Company, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I got and email saying Gm financial and XXXX XXXX did a hard inquiry in my report which caused my credit to go down XXXX points. I did not authorize this credit check or background check what do ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
in XX/XX/2022 the utility company XXXX XXXX XXXX XXXX XXXX XXXX TX, send me to collection for a bill of {$130.00} that was not paid. 
I never lived at that address and I never open this account. I contacted them about this charge and they acknowledge that was not mine. 

I disputed this with all 3 Credit Companies and all of them already removed this from my credit file. But this late payment keep showing up on my XXXX Credit report.

Company response to consumer: Closed with explanation