BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-20
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:
I mailed a Dispute to Equifax on Monday XX/XX/2020. Because I had found a lot of fraudulent information on my Equifax credit report ; mainly 11 fraudulent XXXX  XXXX XXXX XXXX student loans same account number. I mailed the dispute and included the documentation Equifax requested be included with the Dispute. 

XX/XX/2020 I received the Investigation Dispute Results. The 11 fraudulent XXXX  XXXX XXXX XXXX student loans same account number were Deleted ; plus some other fraudulent information was Deleted. I have the Investigation Dispute Results Equifax sent me. I will upload as Proof. 

Equifax even added an Extended Fraud Alert to my Equifax credit report. I was very happy Equifax Deleted the 11 fraudulent XXXX   XXXX XXXX XXXX student loans same account number and other fraudulent information. 

XX/XX/2020 I check my Equifax credit report and Equifax credit score. I am totally shocked and upset because all 11 fraudulent XXXX   XXXX XXXX XXXX student loans same account number and the other fraudulent information Equifax Deleted on XX/XX/2020 is back on my Equifax credit report. This is a huge violation of the Fair Credit Reporting Act. Equifax must be held accountable and be made to Delete the 11 fraudulent XXXX  XXXX XXXX XXXX student loans same account number ; and the other fraudulent information that was Deleted XX/XX/2020. I have the Investigation Dispute Results Equifax sent me. Pages 4-7 of the Equifax Investigation Dispute Results, show all 11 fraudulent XXXX  XXXX XXXX XXXX student loans loans Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX has appeared on my Transunion credit report without any permissible cause, no credit or loan has been awarded. This is violations of FCRA rules section 1681

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 2022-01-26
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This company has been charging me a balance for a year with different collection companies. I make the complaint and the credit company removes it and a few days later they come back again with the same account but with another collection company. On XX/XX/2021 they placed it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this directly with Equifax as well as submitted more than XXXX or XXXX complaints through CFPB but no one does anything. I 've submitted police reports, Grand Jury Indictments, Victim Status Reports when the offender who stole my identity was sentenced. XXXX XXXX and XXXX were a pleasure to work with. Equifax and CFPB have one excuse after another. Neither respond, neither consider any of this a priority! This has been going on since 2010, so I guess you just want me to wait till next year when it falls off on its own. Please assign this to a Department Head and Manager. I DO NOT want a supervisor looking into this case again as its gone no-where. Thank you! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: CT
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:
Evaluate this account reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why there is {$810.00} balance indicating if it is charge off account. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$810.00} ;

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 2016-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been the victim of identity theft fraud for more than 4 years. I have filed numerous complaints with TRANSUNION to no avail. I have submitted fraud affidavits, consumer statements and proof of fraud, yet they continue to not accurately investigate my accounts, remove erroneous information and update my reports with the information provided. 

I contacted the office of the president for TRASNUNION and they would not allow to speak with anyone concerning my complaints. I have furnished TRANSUNION with a fraud packet and supporting documentation on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I need help in resolving this issue asap.

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 2016-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I Have never been employed at 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had an account back in 2022 the bank closed my account for no apparent reason they also charged me overdraft fees.

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 2020-01-17
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
FAILED TO PROVIDED ME WITH DETAIL REQUEST FOR VERIFICATION! - I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. Otherwise, please provide me with your documentation showing that this account does indeed belong to me. Please send me copies of the contract used to establish the account with my signature on it. Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. Sincerely yours,

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 2016-03-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX reported my account as 30 days late on XXXX 2015 when it was not late. I purchased XXXX items from XXXX XXXX and they cancelled my order, charged me for an item that was supposed to be free without informing me. I did n't know I had a balance because of it since I did n't get anything. I called XXXX XXXX regarding this issue and they realized it was their mistake so they offered to send me a gift card instead of putting it back into my credit card because per XXXX XXXX customer service rep they were n't able to put it back into my card. I paid the balance of the credit card then but I guess it was too late since XXXX XXXX reported my account as 30 days late to all credit bureaus. Balance was less than {$30.00}, I would have paid it if I knew about it and if they did n't mess me up. XXXX XXXX has notes in my account as well as XXXX XXXX. But none of them were able to help me remove this negative thing on my credit report which is 30 days late. I have been trying to improve my credit score because I am planning to get a house and my mortgage loan officer said that this 30 day late from XXXX XXXX XXXX XXXX is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: CA
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 belongs to someone else

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 

1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date :XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date :XX/XX/2020-Unauthorized inquiry by Identity Theft

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 2016-05-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
FCRA XXXX. XXXX, XXXX XXXX US COURT OF APPEALS. Case XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX ( XXXX XXXX. XXXX ). EQUIFAX refuses to conduct a reasonable reinvestigation and remove and/or inaccuracies even after being provided proof of the inaccuracies. Section 1681e ( b ) requires consumer reporting agencies " to follow 'reasonable procedures to assure maximum possible accuracy ' of the information '' contained in the credit report. Id. at XXXX ( quoting 15 U.S.C. 1681e ( b ) ). 

FCRA 623 ( a ) ( 5 ) States that the original creditor ( XXXX ) is required to accurately report the DOFD separately to the CRA ( EQUIFAX ) no later than 90 days after the charge-off date ( XXXX, XXXX ). The purpose of this section is to determine the exclusion date. XXXX XXXX XXXX acted as was both the original creditor and collector for this account. 

FCRA 605 ( c ) was created for one purpose only, to affix a date based on the commencement of the delinquency which proceeded to collection and subsequent charge-off on my account. This charged-off account became delinquent XX/XX/XXXX and has remained in delinquent status EVERY MONTH for over SEVEN YEARS and never brought into paid as agreed status, therefore this account should be deleted. I provided Equifax with an Original copy of XXXX XXXX XXXX Account History to support my inaccuracy dispute and Equifax still refused to correct the DOFD. 

Attached is copy of the Account History provided by XXXX XXXX XXXX, copy of EQUIFAX Investigation Report and a Certified Mail Receipt copy of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, 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 information incorrect

Complaint:
This is unacceptable I tried again to get morgage funding. Invoice I obtained a copy of the soft credit. First of all it came back that my score is what it is due to delinquent accounts an i have zero delinquent accounts all my accounts are current an on time. The length of time in my current delinquent accounts again I have none. I am being denied a home morgage because of these lies. This is outrageous an completely illegal. This is not true. Yet I am being judged an denied because of it. I cant believe this is

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: BB&T CORPORATION
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:
XX/XX/2019 my wife and I were not working so we asked BB & T for a loan modification which they agreed. We were paid up to date in XX/XX/2019. We paid 3 years without being late once. We paid the reduced amount in early XXXX for XXXX payment. We paid the reduced amount in early XXXX for XXXX payment. We paid full amount in early XXXX, and full amount in early XXXX. 

We were never told that BB & T would report our mortgage as late as we were paying the agreed upon amount. We ended up with a 30 day late in XXXX, a 30 day late in XXXX, 60 day late in XXXX, and 90 day in XXXX which does not make sense. The full amount we were supposed to pay was approximately {$1500.00}. The agreed upon reduced rate was approximately {$1200.00}. We paid {$1200.00} for XXXX and XXXX. So even if BB & T was correct in reporting us late, it should not have been all those times. {$1200.00} for XXXX and then {$1200.00} in XXXX is more than enough to make a full payment for XXXX, then another {$1200.00} in XXXX should make XXXX paid in full as well. XXXX and XXXX were full amounts so they should have been considered on time. 

BB & T is saying we paid XX/XX/2019 90 days late when they had the money in full for XXXX, but didn't not credit our account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Results Unlimited, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I received a letter from RESULTS UNLIMITED, INC on Friday XX/XX/XXXX claiming that I owed XXXX XXXX ( my old apartment complex ) {$130.00} I called the company ( ( XXXX ) XXXX ) TuesdayXX/XX/XXXX at XXXX. Gave the young lady my name and she wanted my address I told her they sent me a letter so it 's the same address. At that point she proceeded to tell me if I did not update and give her my address she could not send me to whomever I was to speak to regarding a debt that I supposedly owed. She told me when I called back with my address then I could speak to someone. I hung up, waited a couple of minutes and called back. Same lady answered the phone, I gave her a bogus P.O. Box Just to talk to someone. I was on hold for approximately 3 minutes. Once XXXX came on the phone I gave her my name and asked her what this DEBT COLLECTION letter about. XXXX then proceeded to ask me was I working and answered YES. Then she wanted to know where I worked. I told her I was not giving her that information. I do not know who she was or who the company she represents was. XXXX then told me then, that she could not help me. I told her that what ever this is about I am disputing the claim, and that I was not giving her my employment information. She then tells me that they will then just see me in court. I did not argue and simply said ok and then turned around and called the CFPB where I spoke with XXXX and here I am now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Tax lien that has been released is still showing as unsatisfied on Transunion. Disputed several times with sending a copy of release and it is still misreporting

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I actually paid this company {$510.00} in XX/XX/2014 just to stop harassing me and to remove this wrong and bad information from my credit reports. They said they would nearly 7 years ago but it's still here!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been submitting my complaints to Equifax with my police report and notarized Identity theft affidavit for 2 years now and they refuse to remove this account. XXXX and XXXX have removed it. Equifax ignores my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX and XXXX XXXX XXXX were the mortgage holders for my loan. I have a previous complaint against them ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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:
This complaint is in regards to TransUnion violating FCRA 609 and 611. In letter from TransUnion dated XX/XX/2022, TransUnion stated " We verify all bankruptcies via PACER ''. Please see the attached supporting documentation. in accordance with FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), TransUnion must contact the " Data Furnisher '' in this case, the XXXX XXXX XXXX XXXX XXXX According to a letter I received and have provided to TransUnion, the courts have certified that they do report filings to CRA 's, therefore the " Completeness and Accuracy '' of this record could not be obtained. The letter is attached to this complaint for proof. I do not wish for " Re-investigation of this record as Transunion as already failed to do so. I am demanding the removing of this record as it is " Unverifiable and Incomplete ''. I will not accept a response from Verisk Financial dba LCI who is owned by TransUnion and who is also unable to " Verify '' the " Completeness and Accuracy '' of this record and has no " Permissible Purpose '' to obtain, transfer or distribute my " Personal Information ''. By providing TransUnion my " Personal Information '' without consent, LCI has violated 15 U.S.C. 1681 et seq.

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