BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: MA
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 disputed a account that is not 100 % accurate and they still didn't remove it after the investigated it is still inaccurate. they tell me a need to send in my social security card for identification. But the SSA say SS card is not use for identification. I ALSO UPLOAD THE FORM FROM SSA SAYING SS card is not use for identification. i sent in a bill and my driver license the first time i sent in my dispute. they also said in my last cfpb claim they said The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

they are not working on the issue because they sent me a letter asking me for my ss card. 

i uploaded my consumer report showing that my account is still not % 100 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: RI
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 has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX RI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$1800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The following items continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-12
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello, In 2013, I moved from Wisconsin to XXXX XXXX after finishing my University. I obtained my SSN while working on campus as an XXXX XXXXXXXX in WI. 

Currently, I am in the process of applying for the Maryland bar exam and they requested that I submit my current credit report. I was unable to request my free credit report on the website since I am residing abroad and have no current address in the US. Is there any way I can receive my current credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: GA
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:
After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hope that these accounts late will be removed. 
XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance : {$29000.00}

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 2023-04-12
Company: Experian Information Solutions Inc.
State: NV
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 have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reported me 30 days late in XX/XX/2022. There was an error on their part. I was never 30 days late twice.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
Called to try to have the issue of multiple hard inquiries on my account resolved and received a call back at XXXX XXXX EST and was told I needed to provide proof that my identity was stole and was having issues with the police report because they said they would not do anything without documentation. 

I asked for my file and also their policy for my legal records and they said I could find it on their site. I asked if its public why there was an issue sending it to me? 

I then asked to speak with a supervisor and they said they were the supervisor and I again asked for a supervisor the person on the line ignored my request for a supervisor and then hung up the phone on me. 

The information one the case. 
XXXX Police 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 2023-03-15
Company: Experian Information Solutions Inc.
State: FL
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX -- -- -- -- -- -- Account # XXXX Account name : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account # XXXX Account name : XXXX XXXX Personal Loan -- -- -- -- -- -- Account # XXXX Account name : XXXX XXXX / XXXX -- -- -- -- -- -- -- -- -- -- Account # XXXX Account name : XXXXXXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Account # 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
Consumer complaint received 2023-03-15
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Truist online a month or so ago, I noticed that I was unable use my debit card and went into the bank to inquires to why. The banker informed me that there was suspected fraudulent activity and that they were in the process of losing all of the accounts. The issue is that I had gotten my first paycheck deposited into the account that morning. The banker kept my debit card and said they could not disperse any of my funds. I have had no money at all for going on a week. I called and went into several different location and can not get a clear answer about anything, most importantly, when I an have my money. I have been told that they sent am email to the department that closes accounts and that it takes up to 48 hours for a response, I called after two days and was told to all again after 24 hours. A this rate I am concerned that it will be weeks before I will see any funds that I worked hard for all of the charge on the accounts an deposits have cleared with no issues and I can not understand why I can not access MY money. I don't like getting the run around and I also can not understand why I ant get a single answer from anyone. I don't care that they're closing the accounts as Truist is clearly not a bank I need to be doing busyness with anyway, but I do care that I have no have money for gas, food, or bills. These are all things that are incredibly important and a massive stress has been placed on myself and my family because of this situation. they lure you in with the promise of a sign on bonus of up to {$400.00} but in return, this is actually what you're going to get.

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 2021-05-05
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: FL
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:
XX/XX/23 I have filed an electronic dispute with Experian, XXXX, and XXXX XXXX for an auto loan account named XXXX ( XXXX XXXX XXXX  ). They have this same car loan on my credit report with XXXX XXXX which is legitimate.This non action and indifference is being performed in collusion with a group of informants and federal agents as a synthetic identity theft. This has negatively affected my credit line and score deliberately.

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 2023-03-15
Company: Experian Information Solutions 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:
Assist me in solving this problem. Also, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. Take this chance to correct all the errors. Send me a copy of my credit report as soon as your investigation is done.

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 2023-03-15
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
This debt was submitted for collections without proof of debt owed. The company was contacted phone and could not verify or provide any proof. It was then agreed that the debt would be satisfied after speaking to the companys alleged lawyer. However the account remains on my credit report after I have been garnished for an unverified debt that has since been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: MD
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.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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 crime which antedates the report by more than sever 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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We received the attached bizarre collection letter for a " XXXX XXXX '' whom we don't even know who in XXXX that is. 

They have never even worked for our  law firm, so clearly this collection agency needs to do their homework, due diligence, skip trace, and cease and desist from further harassing us. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information listed on my credit report. Specifically, I am concerned about the following accounts : Account Number : XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Account Number : XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account XXXX : XXXXXXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I request that you investigate these accounts and correct any errors. It is important that my credit report accurately reflects my credit history. I appreciate your prompt attention to this matter. 

Thank you for your time and consideration. 

Sincerely, 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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
This letter is a formal complaint of inaccurate and incomplete credit information on my credit report.I am distressed that you included the following in my credit profile : -incorrect name -incorrect address -incorrect telephone -errors -unauthorized inquiries -Errors of hard inquiries

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 2023-03-16
Company: SANTANDER HOLDINGS USA, INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Santander Consumer USA XXXX XXXX XXXX, XXXX XXXX TX XXXX is STILL inaccurately reporting account information on my credit report. 
Under 15 USC 1681 ( a ) ( i ) I have the right to have erroneous, inaccurate information deleted from my credit report! 

On my XXXX report dated XX/XX/23 Santander has the account as charged off. 
Then they should not be reporting an open balance. As you can see from my paperwork presented to you there is an open balance of {$8000.00}! 

SECONDLY, THEY HAVE A CHARGE OFF AMOUNT LISTED AS {$8900.00}. THIS IS DIFFERENT THAN THEIR OWN BALANCE AMOUNT OF {$8000.00}! 

This account needs to be deleted from my credit report! 
I have contacted them several times. But no results have come from these communications!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: ONLINE Information Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I keep getting letters from XXXX XXXX for an address in texas. XXXX XXXX XXXX XXXX, XXXX TX XXXX. I do not live there this was clearly an act of identity theft that I have reported several times to my credit bureau. This is from last year I already reported this

Company response to consumer: Closed with non-monetary relief