BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ON XXXX XXXX. I RECEIVED MY CREDIT REPORT FROM XXXX AND IN THE SUMMARY REPORT SHOW THE DIFFERENT ITEMS FROM XXXX XXXX XXXX, EXPERAIN CREDIT BUREAU, XXXX XXXX XXXX XXXX. 
UNDER 15 U.S. CODE 1681CONGRESSIONAL FINGS AND STATEMENT. CLEARLY WITH THE SUMMARY ENCLOSED YOU WILL SEE THE DIFFERENT BALANCE FROM ALL THRE CREDIT BUREAUS. 15 U.S. CODE 1681-2- RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWSOR HAS REASONABLE CAUSE TO BELIEVE THAT INFORMATION IS INACCURATE. A SUMMARY OF MY RIGHTS UNDER THE FAIR CREDIT REPORT 9IMOSES RESPONSIBILITIES ON ALL FPERSON WHO FURISH INFORMATION TO CONSUMER REPORTING VIOLATION OF 15 U. S. CODE 1681 THE INACCOURATE INFORMATION HAS IMPACTED MY CREDIT REPORT THAT I CAN NOT APLY FOR ANY CREDIT CARD. THE FALSE REORTING FROM XXXX XXXX, EXPERIAN AND XXXX HAS AFFECTED MY CEDIT REPORT WHICH HAS CONSEQUENCES OF ERRONEOUS ENTIREIES ON MY CREDIT REPORT IS MISLEADING UNDER ( FCRA ). THIS INACCURATE REPORTING IS AFFECTING MY EMPLOYMENT OPPORTUNTIES OF GETTING HIRED FOR BETTER POSITIONS.

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 2023-09-23
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I went to Lincoln dealership asked the dealer did he participate in truth and lending and I was told yes but after that I was charged a {$3000.00} for a down payment on a credit transaction. Then I was given a fraudulent contract with all kinds of violations on it and I was forced to get separate insurance which is deceptive practices and a violation of the truth in lending! I was also not disclosed about the right to rescission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 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 explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: IN
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 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX Balance : {$200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Can you update my address and name on my credit profile.

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 2023-09-23
Company: EQUIFAX, INC.
State: NV
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 wanted to follow up regarding my recent update, as I've noticed that there hasn't been any deletion of items in response to my previous queries. I have sent multiple letters to the Credit Bureaus requesting removal, but unfortunately, they only removed items once, and I didn't see any significant improvements afterward. This has left me feeling a bit disheartened. I understand the importance of maintaining an accurate credit report, and I believe that the removal of these items is crucial for my financial well-being. I kindly request the removal of the following items from my credit reports : 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 EQUIFAX 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 2023-09-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: MO
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:
As usual experian is closing another complaint without addressing the problem which still is experian stole NOW XXXX  months of on time never late payments to XXXX and refuse to give them back but give ridiculous explanations for things that don't have anything to do with the problem

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 2023-10-25
Company: EQUIFAX, INC.
State: KY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 XX/XX/2023 XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 writing to express my deep dissatisfaction and concern regarding the numerous, unsuccessful attempts to remove certain items from my credit report. Despite persistent efforts and a substantial amount of documentation supporting my claims, these items continue to adversely affect my credit history, causing significant distress and financial harm. 

The items in question are as follows : I have initiated disputes and requests for removal of these items on multiple occasions. I have provided extensive documentation to support my claims, including proof of resolution, payment, or inaccuracies. Despite these efforts, these items persist on my credit report. 

The continued presence of these items has had detrimental effects on my credit score, financial stability, and overall well-being. I am unable to secure loans, obtain favorable interest rates, or access various financial opportunities due to these errors. 

I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit report to verify the accuracy of the items in question. 

An investigation into the origins and validity of these items, including the verification of any claims I have made regarding inaccuracies. 

Immediate correction and removal of these items from my credit report if they are found to be inaccurate. 

An explanation for the extended delay in resolving these disputes and the steps being taken to expedite the correction process. 

Written confirmation of the actions taken to rectify these items and a specific timeline for their completion. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve these matters to my satisfaction. I am asking for your immediate assistance to remove the following fraud items in my credit report : 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 non-monetary relief
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: LA
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.

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 inructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Wells Fargo Bank offers an XXXX XXXX XXXX service where direct deposits are available 2 days prior to actually depositing. On XX/XX/2023, I received my early direct deposit into my checking account and utilized the funds. Wells Fargo Bank allowed me to use the funds as they had them marked as available. The next day I was told that the early direct deposit had an error and did not reflect and that there was a {$2800.00} transfer from my Wells Fargo credit card to my checking account to cover the supposed overdraft from the transfers made the previous day. I called Wells Fargo on XX/XX/2023 to report the issue ( thinking that there was an issue with their overnight processing ) they admitted to their error and stated not to move the funds back to the credit card because they would be fixing it. My balance on my credit card at that point was {$2800.00}. I was told that they would fix the issue by the end of the week. I called back on XX/XX/2023 because there had been no changes. When I called they again acknowledged the issue, stated that they would fix it prior to the next billing cycle, and that I should not do anything myself. They stated that I would not have interest charged and should not see any reflection in my credit reporting. My credit card balance at that time was still {$2800.00}. I called back on XX/XX/2023. Wells Fargo did not acknowledge the issue and attempted to say that I had overdrawn my account of my own volition. I requested a XXXX and the XXXX said that I could make the payment myself ( which would reflect that I paid it- and not a bank error ). My statement ending date was XX/XX/2023 and the credit bureaus are reporting that my balance is high and my XXXX XXXX was lowered. Wells Fargo did not offer anything to fix the issue and could not tell me when it would be fixed. They had no answer as to how they would address the credit reporting and still my balance is showing {$2800.00} and I have been charged interest on the account. They have not given any response as to how they are going to fix this.

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 2023-06-09
Company: EQUIFAX, INC.
State: PA
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:
Account Name XXXX XXXX XXXX XXXX XXXXXXXX ALREADY PAID IN FULL AND NEVER LATE, NOT MY DEBT This is XXXX XXXX false info below : Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$8400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$8400.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$8400.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX  I filed a fraud dispute with Capital One for the following charge on my card ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Along with the dispute form, I sent evidence that the merchant was not going to give me the purchased item. 
Capital One mailed me a form letter telling me to call them. 

I called them and they stated they " couldn't find the charge on my account '' and that I needed to send them " screenshots of the Capital One account showing the charge. '' I mailed them screenshots of their website along with the final notice that if they did not return my money, I would be contacting CFPB. 

They mailed me the exact same form letter back and have made no effort to assist or contact me to get this resolved. 

I have now spent over 10 hours on the phone, printing lettters, mailing letters, etc. which has cost me over a {$1000.00} in lost wages and salary. 

Capital One purposely makes their fraud process confusing and time-consuming in the hopes that customers will give up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: Affirm Holdings, 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: Account status incorrect

Complaint:
To whom it may concern I have 2 accounts with affirm that were paid off a year ago Ive never received an email saying that a payment were pending and when I checked on the account I had those accounts in collections I paid them off one account was for {$48.00} and the other on was for {$300.00} again this was paid off a year ago.. 
Yesterday, it turned out it was showing I still owed them the same money Also please check on the name on the accounts because the order was made under XXXX XXXX and not XXXX XXXX I need this off my credit report because is really affecting me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. I kindly request that you investigate and, if necessary, remove the following items from my credit report. 
-- -- -XXXX -- -- - XXXX XXXX -- -- -XXXX -- -- - XXXX XXXX -- -- -Equifax -- -- - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have been trying to resolve this issue with the loan servicer for quite sometime. They have changed names so much it's hard to keep up with them. XXXX XXXX were the loan servicers for these loans and i have asked them to show me a wet signature showing that I requested these loans and received them. There has been no compliance with validating the debt and it has been ruining my credit for over 10 years. I would like them to remove this from my credit report due to the fact that, there is nothing validating the debt, I have tried to contact them to resolve the problem but the credit bureaus continues to say that the debt belongs to me. I am ready to take this to court if necessary because the response from the loan servicer has always been validating the debt without showing proof. It has affected my life mentally and physically. XXXX and suffering is just the tip of the ice burg with what its done to my life. If they do not get this off of my credit report, that is the next step I am taking, no more no less.

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 2023-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiry mentioned below was the source of the credit inquiry. However, I did not authorize these investigations. As this query is negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, 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:
Equifax is reporting an account containing fraudulent charges after providing them with relevant data. ( Dispute and Police Reports ) They responded saying that the account is verified. I reached out to the creditor and all they can tell me is that the account has information matching a public record pertaining to me. The account or the charges can't be verified, only providing billing statements.

Company response to consumer: Closed with non-monetary relief