BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/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 2020-10-07
Company: CITIBANK, N.A.
State: GA
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:
on XX/XX/XXXX had credit limit of {$1700.00} and paid full amount and have {$0.00} balance and don't have Macys Credit card anymore. its paid and will like to remove please. reached out to company and still haven't removed from credit reporting agency 's. 

On XX/XX/XXXX had Credit limit of {$1700.00} on XXXX Credit card. Balance paid in full and nothing owed. Don't have credit card anymore and will like to have removed from credit report, disputed charge and still haven't been removed from credit reporting agency 's. 

On XX/XX/XXXX opened credit card with XXXX XXXX/XXXX   XXXX  and account is closed and paid of {$81.00}. Will like to have removed from credit reporting agency 's. disputed to have removed off account and still showing on credit. 

On XX/XX/XXXX got an auto loan with XXXX XXXX XXXX XXXX. Made last Payment on XX/XX/XXXX and no longer owe on my car and will like to have removed from credit reporting agency 's. reached out to company and still haven't been removed

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 2022-07-07
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Department of education/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 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 2022-07-07
Company: Braviant Holdings, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Ive already made a complaint about this company before but I just want to make another so everyone is aware from my awful experience dealing with Balance credit ( https : //secure.balancecredit.com/portal/payments/schedule ). So I got a loan in XX/XX/2020 with this company. The approval process is fairly quick. The interest rate is ridiculous 200 %. So I borrowed {$2000.00} and I had a payment due every two weeks for {$180.00}. Ive made extra payments and I tried to get the payment negotiated to {$100.00} a month which they did but then of course they dont tell you this they turn around and report a 30 day late to your credit report. So it doesnt matter if you and a payment plan or not they will still constantly call and harass and will still report a late. If youre even a day late or even if youre paying all the time theyll send you email constantly and call you all the time. The customer service is awful they are overseas they talk like robots dont understand anything. So this company is awful this is the worst online lending company by far. Like I mention if you struggling to make a payment or ask for a lower payment they will lower your payment but keep the interest-rate exactly the same but then will report a 30 day late. So I am writing this complaint again to hopefully warn others to stay away from this company dont do business with Balance Credit at all do anything that you can borrow from friends or family. Its not worth it at all because like I said in my case I borrowed {$2000.00} and before my last large payment I still owed {$2500.00} because of the interest rate. So anyone even considering this company dont do it it will be the worst mistake. So I repeat do not even consider getting a loan with this company you will regret it. Not only will they get you further in debt but then if you try to negotiate payment they will report 30 day late and like I mentioned they call and harass every day for payment if youre even a single day late or even if youre in a payment plan they still call and harass you. Im lucky I borrowed money from XXXX XXXX my help my dad as he cosign and I will be paying off this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Equifax is the only bureau who continues to report fraudulent information after disputing multiple time even though I sent the original identity theft police report. They 're reporting a XXXX credit card account that was charged off. I have sent the dispute to the request of the supervisor but still no action. I 'm suffering damages due to this inaccurate listing. Contacted XXXX who stated that someone signed to pick up merchandise but it was n't my name and signature. I also told them no account should have been open because I had a fraud alert on my account at that time and that I must be called and answer security question to verify my identity. I was never contacted. This behavior is willful non compliance. It 's a small amount but I refuse to pay for something I did n't authorize and that I have no possession of the goods and services they are holding me liable for. I also disputed inquiries that were placed on my report in XXXX of this year for auto shopping. There 's no permissible purpose for these inquiries and an account for XXXX XXXX that I have no knowledge of as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: WELLS FARGO & COMPANY
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against WELLS FARGO, for committing identity theft. I have never given WELLS FARGO permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with WELLS FARGO and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving WELLS FARGO any right to collect on this alleged debt. 
I have never received any documentation requesting validation from WELLS FARGO, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If WELLS FARGO, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until WELLS FARGO provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and WELLS FARGO, continues its collection efforts, I will file for litigation for actual damages caused and WELLS FARGO will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi thank you for the opportunity to present the serious errors on my credit file and back and forth issues I am having with the credit bureaus. I have accounts that do not belong to me on my credit report. I also have accounts statuses listed as late on accounts that have always been current. I have even sent in letters from the companies to the bureaus to show proof and this is STILL not corrected. The power the bureaus have over the people is unconstitutional and not aligned with the consumer laws. In Title 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer the bureaus are to get full consent from me to do anything with my file. Here I am having to file complaints and court proceeding just to make them correct what needs to be corrected. The accounts XXXX XXXXXXXX, XXXX XXXX and XXXX do not belong on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My Experian credit report indicates the balance for my XXXX XXXX XXXX credit card as being {$2200.00} when it is actually {$590.00}. It has been over 45 days since my balance was updated and it has taken up to 60-70 days for it to be updated in the past. If the correct balance was on my Experian report it could mean an upward jump of 45 points on my credit report ( my XXXX and XXXX numbers are 45 points higher on correct data ). I have disputed this in the past with Experian and it has not been resolved. So, I attempt to dispute it again and they tell me pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act that they will not process my dispute. Their online dispute process indicates that if I upload additional information that is relevant, they will give it another look. However, their online program will not allow me to upload a single scanned page .pdf file ( file size too big ) for them to consider. As such I have attempted their online dispute with no luck and sent a letter and additional information in the mail with no luck. Considering my actual credit usage is heavily weighted in my credit score, I would like it to be accurate and updated in a timely manner.

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 2022-07-08
Company: Avant Holding Company, Inc.
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There is a data breach at Avant! Multiple fraud victims on XXXX, complaining about their fraudulent charges, Avant employees are not answering any calls to resolve any disputes. My credit card has XXXX fraudulent charges, and I was not given any sort of proof that someone is looking into my fraudulent case!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To whom this may concern, Please have this information brought directly to the attention of incoming Wells Fargo & Company XXXX XXXX XXXX, CFPB XXXX XXXX XXXX, and other federal and state regulators. Within the attached PDF is information that sheds light on yet another Wells Fargo & Company 's illegal corporate sales and business practices that have caused enormous damage to thousands of consumers around the nation. Put bluntly, Wells Fargo & Company has submitted and maintained hundreds of thousands known to be false and clearly fake information records on consumers and these false records have negatively impacted consumers ability to open a bank account, obtain financial services, etc. What is worse, when Wells Fargo & Company was confronted with these issues, they refused to address them and threatened to sue and harass those who have attempted to bring these concerns to the attention of Wells Fargo & Company and regulators. Please promptly review this information and ensure that Wells Fargo & Company 's XXXX XXXX XXXX XXXX is informed of these problems and take action to resolve the problems and properly disclose the problems to investors.

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 2017-08-18
Company: EQUIFAX, INC.
State: MI
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:
Pursuant to FRCA 623 ( a ) ( 6 ) ( B ), if a consumer notifies you that a debt has resulted from identity theft, the creditor may not furnish information to a credit reporting agency regarding the fraudulent account. I sent a copy of the identity theft report ( attached ) to XXXX XXXX. XXXX XXXX is still reporting this account that was a result of identity theft to Equifax. In addition, I received a letter from XXXX XXXX which I forwarded to Equifax which indicates that XXXX was unable to locate any active or previous loan under my name ( attached ). Neither XXXX nor XXXX were able to verify this debt and deleted this account from my record. It is the responsibility of the creditor reporting the information to update the change with every credit reporting agency to which it reported the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: EQUIFAX, INC.
State: NY
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 was checking my credit report and there are two errors on the report that should be deleted on my report due to bankruptcy chapter XXXX was filed XXXX 2016 XXXX XXXX XXXX and XXXX XXXX XXXX tried working with them and did not get no where no resolution made this has been an ongoing effort to try and get this corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX financed alarm equipment for my business. 

They were deducting payments from our debit account as agreed. I dispute the late payments on my credit report. 

They report the account as closed when it is actually open and we are still making payments. The account is open. I am attaching the most recent statement. 

I reached out to XXXX and they were very difficult and refused to make changes to the credit bureau reporting.

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 2021-08-13
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:
On XX/XX/XXXX I decided to dispute numerous Items with the credit bureaus since I found multiple errors on my credit reports. The dispute was sent by certified mail to XXXX ( XXXX ), Experian ( XXXX ), and XXXX ( XXXX ). But by today XX/XX/XXXX The companies have still not responded, yet still reporting errors on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: AL
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:
These accounts XXXX XXXX  XXXX, XXXX # XXXX, XXXX # XXXX are not mine. I have made phone calls to the bureaus and listed companies to have them removed. I have been given the runaround and after some research I am here to get what is owed to me. No documents of any kind can show that I am responsible for listed accounts. No validation can be made unless validated by me can put the responsibility of listed accounts on me. There is obvious a mix up with another person claiming to be me and I will not clear up anything that I did not give authorization to have my name.

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 2020-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital one stated they need more time when I filed my initial complaint XXXX and now rather than address complaint they have gone ahead and charged another high interest charge, making my balance go up again and again lowering my credit score. I am not able to work due to my business being closed due to corona virus and I may not be able to go back until XX/XX/2021. I was advised about hardship payment plan and then it was rescinded and I filed complaint and Capital One said they need more time, now they are trying to profit even more and ruin my credit during a government shut down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: IL
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:
My n ame is XXXX XXXX, and you all have received the complaints that I had from all XXXX credit bureaus, but the response I got was to send in my State I.D . and Social Security Number. I have already submitted those things, and each time they keep telling me to submit my credentials. I am not sending it in again. I have already sent it in, and they still will not give me my credit report so I can correct what is on there.

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 2019-11-26
Company: Experian Information Solutions Inc.
State: UT
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:
New Issue Experian has not yet suppressed the negative XXXX  account listed after now receiving the third police report XXXX now from detective XXXX XXXX from the XXXX XXXX police department. XXXX sent a letter stating the information has been suppressed to the credit bureaus yet Experian is the only credit bureau still reporting this information. You are required by law to suppress accounts that have fraudulent activities and a valid police report is sent to you all.

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 2017-08-18
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:
I have contacted ( and made disputes ) with Experian several times about a Fraudulent account appearing on my credit report. Every time I do a dispute with Experian comes back stating that the account has been " verified '' and the debt is mine. Which is completely false. Experian has not provided me with any proof of their investigation or proof that the debt is actually mine. The account in question is ... .. XXXX XXXX XXXX Account Number : XXXX ... ... .. I would like to see signed proof that I opened this account and the debt is mine. It will be impossible to furnish that proof because I have never done any business with this company.

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