BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: TN
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account 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, and I'm including it again. XXXX XXXX XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I believe it was XX/XX/2022. I pay my car payment myself not on auto pay and went to pay it and they told me they couldn't take the payment because of the bank Taking back 3 months of payments. And they gave me 2 days to get all the balance due or they were going to repo my car. So I called the bank and of course at first no one knew how it happened and were supposed to send the lender a letter explaining what happened and that they would return the payments to keep my car. But they didn't and the second day I got a call from work work saying they are towing my car. So I get back on with the bank and then contacted the corporate office and took them a like 2 weeks to reply in a email. Meanwhile I had to fill Bankruptcy because of that and I just built my credit up from a previous bankruptcy so I'm really mad about that! Anyway a few back in forths and a month later I heard back again and they are still looking into it. So in XXXX XXXX XXXX  you this happened in XX/XX/XXXX I grt a call from corporate office telling me there is nothing they can do because someone that didn't sound anything like me and that's their words but some how had my account info and had the payments pulled back! And this is after seeing several bank accounts in my name I didn't open. Anyway they said they can't do anything but me and my lawyer feels they owe me XXXX for the balance of the car they let someone takes payments back on! I'm pretty that's the dates but I have them and the emails. I stayed banking with them because my lawyer told me too in case they compensate me for my car. Never did and never heard back from them again.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: NJ
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly 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

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 2023-03-28
Company: EQUIFAX, INC.
State: NC
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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
This account is reporting an amount that I disagree with. This was a secured credit card. I had to deposit {$200.00} to access that amount in credit. The card was closed. The company did not return the security deposit nor did they apply it to the balance. I've reached out to the company by phone several months ago, by mail and through disputes with the credit bureaus.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-03-28
Company: EQUIFAX, 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:
See attached documents detailing a reinsertion of previously deleted items which is a BLATANT violation of my consumer rights. This item was originally reported by XXXX XXXX XXXX XXXX XXXX XXXX ) and was removed due to inaccurate reporting. This same item has now been reinserted onto my credit profile by XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XXXX is reporting that I have past due accounts of greater than XXXX days starting in XXXX and XXXX. XXXX XXXX XXXX put these accounts in a past due/delinquent/charged off status when I was in a XXXX XXXX plan. The Trustee was making payments on XXXX XXXX XXXX account while I was in XXXX XXXX. Both the Trustee and myself were following the legal ramifications of the XXXX XXXXXXXX. XXXX XXXX XXXX is unwilling to correct my account and remove the past due/delinquent/charged off status. My credit report is inaccurately reflecting the XXXX XXXX XXXX account status as past due/charged off now and while I was in XXXX XXXX. I have also filed a dispute with XXXX and Equifax. The credit bureaus responded that XXXX states they are reporting accurately and therefore my credit report status for XXXX XXXX loan remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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 writing to dispute the presence of unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified some inquiries that were made without my consent or knowledge. 

To assist you in your investigation, here are the inquiries that I am referring to : -- TRANSUNION -- XXXX OF XXXX XX/XX/2023 XXXXXXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXXXX/XX/2023 -- XXXX XXXX XXXX XXXX XXXXXX/XX/2023

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I requested for all closed accounts, and any accounts that violate 15-USC-1681b to 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 explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: AZ
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 requested an investigation and update to my credit reports, the Credit Bureaus claimed they did a full 100 % accurate investigation and update my reports, yet items remain inconsistent. 


The following information is outdated. I would like it removed from my credit history report XXXX XXXX  Account Number : XXXX Statue of limitation expired Furthermore, based on the confirmed State of Arizona Statute of Limitations in respect to Auto Loans and repossession limited at 4 years of reporting, the item listed below has expired. I have attached a screenshot of the Arizona Statute of Limitations in respect to Auto Loans and repossessions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax please remove the credit inquiries XXXX XXXX XXXX XXXX  inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove these credit inquiries, they are fraudulent XXXX  XXXX XXXX XXXX XXXX please remove these credit inquiries they are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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: Old information reappears or never goes away

Complaint:
I am submitting you this CFPB Complaint today to let you know that you have failed to comply with the Federal Law, Fair Credit Reporting Act section 605b, and continued reporting the disputed items without completely verifying the disputed items you are reporting on my Credit File. Previously, I have been asking you to send me copies of proof of verification or any documents you found along your investigation to prove that the disputed items belong to me. And you have failed to do so, but I see here that the disputed items are still being reported on my Credit File! This is a clear violation of my consumer rights under the protection of the Fair Credit Reporting act! Once again, I need you to remove the following items off of my Credit File : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$690.00} XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. With you failing to send me copies of proof of verification or any documents, it should have been expected to have the disputed items removed from my Credit File, and yet you have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been trying to dispute this since turning XXXX XXXX XXXX. I have a credit account showing on my credit profile which I wouldve had to of been XXXX of the time of it opening. I have filed an identity theft report and they fail to even look at it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Northwest Contract Collections, Inc.
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I sold a home in XXXX and retained a mortgage on the property. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX initiated the 'Escrow Agreement ' that covered the loan and administered the loan initially. In XXXX servicing of this contract collection was transferred to Northwest Contract Collections , Inc.. The last payment on this loan was made this month. The final statement from NCCI included an unspecified fee of {$120.00} with me paying {$51.00}. I called and was told that {$6.00} was the regular monthly servicing fee and the rest was half of a account closing fee. I complained that I should not pay the fee. XXXX XXXX, the president of NCCI, called to discuss the fee. The account closing fee was primarily to benefit the buyer by providing him the Deed documents. The fee was split between the buyer and my, based on the original Escrow Agreement. I pointed out that the Escrow Agreement specified splitting only the initiation fees and the regular processing fees ( now {$12.00} per month ) and did not apply to the account closing fee. I feel the buyer should pay the fee. He did not have an answer but refused to change the fee. I'm due {$45.00} as a refund of half of the account closing fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions 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:
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. 

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 XXXXXXXX has violated my rights. Or a 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 explanation
Consumer complaint received 2023-07-31
Company: Affirm Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reached out to the debt collection agency and they agreed to a pay-to-delete solution for 40 % off of the original amount owed. However, the account that was supposed to be deleted from my credit report is still being reported on my report. I reached out to the original creditor and provided them with proof of payment and they said they would update the information but never did. They have received records of the debt being settled but still refuses to remove the item. I've contacted both parties on multiple occasions and all they have done is put the responsibility to remove and stop reporting the item on each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX my wife tried to transfer {$950.00} to my checking account with a local credit union from her account with a larger bank. The transfer was returned to her due to an authentication issue on my side with the bank payment transfer service Zelle. The transfer failed because I needed to log into my Zelle account to confirm that I can still receive transfers. The email she received from Zelle which was supposed to tell her the transfer was returned did not cause any alarm at first due to the similar wording of the subject to emails from Zelle notifying of a successful transfer. 

Zelle does not offer the ability to do this from a web browser on a computer unless you bank with a large financial institution such as XXXX XXXX or XXXX  XXXX XXXX, and I bank with a local credit union because I've had poor experiences with large banks. If you do not bank with a large financial institution, they require you to log in via the app. The issue here is that the app updated recently and is no longer compatible with my phone, a XXXX XXXX XXXX XXXX, which I've had since XXXX. However, it was compatible until this month. We used Zelle to transfer money this way for almost 5 years. When I called Zelle 's customer support, they told me I need to either get a newer phone, or bank with one of their partner financial institutions. 

I'm filing this complaint because I think that Zelle 's policy of offering web browser based services only to consumers using large banks is anticompetitive and monopolistic. In addition, the fact that I was not warned ahead of time that my phone would no longer be supported by their app, and that my wife wasn't properly notified of the failed transfer with an email message suitably different in appearance from an email notifying her of a successful transfer, is something with which I take issue. This debacle almost interfered with my ability to pay rent to our landlords, and I think I'm not the only consumer affected by this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX allowed community college of XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX Use my SSN number and then send a check I mailed to Us department of education for Fraudulent Loans. 

I have a XXXX XXXX XXXX and I didnt authorize XXXX staff to assault me when I went to talk to security in front of XXXX police officers. 

I didnt attend XXXX XXXX XXXX XXXX XXXXXXXX XXXX fraudulently has been going on for years for non credit courses being billed througXXXX XXXX XXXX  grants. 

I was unemployed and XXXXXXXX XXXX took all my unemployment benefits and applied them to loans {$30000.00} cash they deducted from my XXXX XXXX XXXX XXXX XXXX now XXXX XXXXXXXX XXXX accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: EQUIFAX, 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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation