BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data furnishing reporter ( s )?

It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized Metro 2 data field formatted reporting standard ( s ).

Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I therefore am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have lodges a contesting of reporting privilege ( s ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( s ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field 7 ( BSCF-7 ) with redacted truncation. In mathematical reality, this makes impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. That is, how is it assumed that the true account number, whatever it might be, exactly and only the reported data fields and reported data field information as proclaimed by the alleged accusing data reporting furnisher? Further, I ask, given the redacted values within the alleged charged off claim versus me, how can it possibly be confirmable the impeccable reporting when it's not provable the displayed data fields are in and of only perfect alignment with the exact information from such data field ( s ) related to only the one According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand the following accounts be verified or removed immediately. 
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 2017-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Transunion wants to charge you for a credit report that you get free once a year, what they doing is another thing the reason why I ca n't access my credit report on line because you may have gotten a free paper credit report and they concider the online credit report as your once a year credit report and you have know access to the online credit without purchasein it from this credit bureau in order to make money off of the people who need to see there credit report to be able to dispute inaccuratecys the other two major credit bureauscore have online access if you need to dispute something what ever to the freedom of information act without having to pay for it.

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 2022-09-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
At the end of XXXX, I entered into a financing agreement with XXXX XXXX for the purchase and installation of new windows and a sliding back door. The financing was completed with Wells Fargo and would be run as three separate 18 Month 0 % interest if paid in full promotions. One at the time of ordering XX/XX/XXXX, one at the time of the products being made XX/XX/XXXX, and one at the time of installation XX/XX/XXXX. I recently noticed on the bill that there is no breakdown of how the monthly payments, {$490.00} are broken down over the installments. I called Wells Fargo to inquire at how the payments are broken down and was told there is a minimum payment calculation on all 3 installments which make the {$490.00}. I am currently paying {$1000.00} a month and I asked how the principle was being impacted by the overpayment. I was told that anything over the minimum payment would go to the first expiring installment. I asked how the minimum payment is calculated/allocated to each promotion as I want to ensure the installments will be paid in full prior to the promotional financing expiring to avoid the interest charges. I was told by the representative that they can not explain that, but the payments are applied at the companys discretion. I asked if the over payment can be allocated to ensure the promotions are paid in full prior to the expiration dates and was told that payments can not be allocated. I followed up with another call the following day to ask again how the payments were calculated to ensure they were paid in full prior to the expiration dates and was told that no one would be able to provide that information. At this point I requested an escalation as I am concerned that my payments will not be applied properly since there is no clarity on the process and my promotions will not be paid off in time. After speaking with a manager and explaining that I would be filing a CFPB complaint since I can not get a simple answer to my question, I was told an escalation would be submitted and I would get my answer within 10 business day. After this period I received a letter with the terms and conditions and a letter explaining how the payment is calculated but still did not answer how the minimum payments are allocated to ensure the promotions are paid off prior to the final due date.

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 2022-06-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, two accounts DEPT OF EDUCATION/XXXX XXXX XXXXXXXX, two accounts XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX two accounts XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, and US BK CT-XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2022-04-25
Company: EQUIFAX, INC.
State: MS
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:
n accordance with the Fair Credit Reporting act XXXX XXXX : XXXX Account number : XXXX, XXXX Account Nunber : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: M&T BANK CORPORATION
State: NY
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 my checking account on XX/XX/22 with XXXX XXXX XXXX. I have maintained the required {$10000.00} balance for the months of XXXX and XXXX, and the requirements were that M & T would pay the bonus by XX/XX/22. It is now XX/XX/XXXX and M & T has not paid the {$350.00} bonus.

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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 submitting this complaint on my own there is no third party involved. I checked my TransUnion credit report to see a collection account from XXXX XXXX XXXX for the amount of {$410.00}. I have no knowledge of this collection account. I disputed this account with TransUnion and they keep saying the account is verified. I also see a closed Charge-off account from XXXX XXXX XXXX XXXX XXXX and XXXX report XXXX I have no knowledge of this account. I disputed this XXXX and XXXX and they keep saying the account has been verified. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the Credit Agencies are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts I listed above. 

Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed 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 non-monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: OH
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX : {$5300.00} ; XXXX CARD XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: MI
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 tried to contact XXXX about reporting false information on my credit report that they refuse to update. This information is not accurate and hurting my ability to gain employment and credit. I know by law that they are only able to provide accurate and truthful information. I asked that the following inquires be deleted over 60 days ago. I contacted XXXX and one of their employees admitted on a recorded line that they did and will not do a fair investigation and report correct information.

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 2022-06-07
Company: TRANSUNION INTERMEDIATE 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:
In accordance with the Fair Credit reporting act XXXX account # XXXX and Account no # 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 an account without my written instructions

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 2022-09-21
Company: The CMI Group, 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 received a notification on my credit dated XX/XX/22 the inquirer named CREDIT MANAGEMENT LP a collection agency on my credit, this is fraud. I have also contacted all three credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRUIST FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Do not recognize these companies that pulled a hard credit check without my permission!

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 2022-06-29
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX Balance : {$140.00} XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$100.00} XXXX  XXXX Balance : {$130.00} XXXX  XXXX Balance : {$89.00} XXXX XXXX Balance : {$160.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$310.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called Equifax Office of Consumer Affairs and spoke with XXXX, agent id number XXXX, and asked if they had received my documentation and they stated that they could not process my documentation nor could they remove any thing on my credit report. They have violated my consumer rights, according to the FCRA 15 USC 1681, for an accurate credit report. Attached is the documentation that I sent to them ; they have 4 days to remove fraudulent information from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX  XXXX Balance : {$190.00} XXXX  XXXX Balance : {$140.00} XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$100.00} XXXX XXXX Balance : {$130.00} XXXX  XXXX Balance : {$89.00} XXXX  XXXX Balance : {$160.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

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 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