BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account NameXXXX XXXX XXXX Account Number:XXXX  Account NameXXXX Account Number:XXXX Account NameXXXX XXXX Account Number:XXXX Account NameXXXX XXXX Account Number : XXXX Account NameXXXX XXXX Account Number:XXXX Account NameXXXX Account Number:XXXX Account NameXXXX XXXX XXXX Account Number:XXXX  Account NameXXXX XXXX XXXX Account Number : XXXX Account NameXXXX, XXXX Account Number:XXXX Account NameXXXX  Account NumberXXXX XXXX XXXX XX/XX/2022 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: EQUIFAX, INC.
State: IL
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:
I do not owe XXXX for the mortgage on my credit. My mortgage is released ( see enclosed ). I have never been late or delinquent in any way. Please remove the item pending a thorough investigation. 

XXXX XXXX XXXX XXXX inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
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:
XXXX purchased tickets for XXXX world cup through XXXX in the amount of {$1200.00} XXXX found out that XXXX has issued warnings against XXXX, declaring the merchant an unauthorized seller and warning people that they will not XXXX ticket holders into the stadium. XXXX has filed a criminal complaint in a XXXX court, declaring the tickets " illegal '' and " illicit '' XXXX as soon as I found out, I contacted the bank to cease the transaction and did not resell the tickets because of the illicit nature of the tickets XXXX - XX/XX/XXXX asked XXXX for refund and for them to not send me the tickets. They aggressively continued insisting and passed along my information to the sellers who contacted me personally. ( I or the airbnb host in XXXX XXXX never received the tickets. ) XX/XX/XXXX Purchased ticket through XXXX and through a friend in XXXX XX/XX/XXXX sent relevant information to bank including XXXX 's statement that it has filed a criminal complaint against XXXX. Also sent along consumer reviews in XXXX about XXXX 's shady practices as well as British gov inquiries into said practices XX/XX/XXXX Bank of America denies request without providing further information. After calling them, they said they  did not have receipt. I resend. 

XXXX bank says they could not identify " billion error '' but that they would have issue a partial refund until more information from merchant XX/XX/XXXX After refund was withdrawn, I calling bank, which said that they would not accept press releases and that they need a specific letter XXXX that the specific transaction would not be authorized XXXX XXXX refuses request XXXX I reply to XXXX saying that all I need is a letter declaring their policy and that they would not have let me into the stadium with a Viagogo ticket XXXX After not getting results via phone, contacted XXXX via form again, again requesting a simple letter that they would not have me into a stadium with a ticket from XXXX. 

XXXX I find out through a call with the bank that the case should have been investigated through fraud, not billing error. Representative says bank will re-open XX/XX/XXXX Bank of America says that they could not find " billing error, '' when the representative phone told me that the investigation would be one about " fraud. '' Bank tells me it has notified  credit institutions about my complaint. 

XX/XX/XXXX XXXX responds with the same generic message

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 2023-06-19
Company: EQUIFAX, 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 information incorrect

Complaint:
For XXXX XXXX XXXX XXXX, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance 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 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Paypal Holdings, Inc
State: MD
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:
I bought what I thought were three canopy sets from XXXX using my PayPal credit card. When I received the items, I realized that they were not sets but covers. I contacted XXXX and asked for a refund of {$140.00}. They responded favorably by sending a return label and indicating that the refund might take about 30 days. I went to the Post Office and mailed it with tracking and paid {$58.00}. Later, I realized that the enclosed return label XXXX XXXX XXXX XXXX XXXX XXXX which was associated with my return was NOT used, instead because I paid out of pocket in error, XXXX XXXX XXXX XXXX XXXX XXXX was used. However, the tracking showed that XXXX had received the package. The transaction ID was XXXX and the Product ID # XXXX and return id XXXX. PayPal immediately processed my refund but days later reversed the charge. Because I complained and escalated my complaint with PayPal, we went back and forth with credit and reversal four times. On my last complaint with PayPal - XXXX XXXX, I was assured that that reversal will not happen again. The communication between PayPal and XXXX was never shared with me. I wrote several times to XXXX  and they used very derogatory language to explain my attitude. It should be noted however that I had bought several items from XXXX in the past without incident. In my last communication with XXXX, in which PayPal offered an email of XXXX, I laid down what I taught was an easy trace find for XXXX  to do to associate the tracking which I used to the return label tracking which they had sent. XXXX  has not bothered to reply. While PayPal has increased their harassment of me to pay up. I told them I can not pay because they have done nothing in my view to have XXXX  do a little research on their side, and I paid {$58.00} out of pocket to return the items and I am NOT in possession of the goods. I just want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Several attempts to contact the reporting agencies involved regarding this information being misreported on my credit file and no bankruptcy was filed yet they keep reporting it and not telling me how they're getting me information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
A creditor ( XXXX XXXX ) has unlawfulley treated a payment on a loan account under an open end consumer credit plan as late! 

So by law referring to 15 USC 1666B : a creditor may not treat a payment on a account under a open end consumer credit plan as Late for any purpose!

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 2022-06-04
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Truist Bank refuses to remove the PMI on my conventional home loan. I have followed their directions, and they returned my {$150.00} check. According to XXXX XXXX ( the servicer of my loan ), my current LTV is under 60 %. All conventional loans should have PMI removed if the payment history is perfect and the Loan to value is below 78 %. Truist Bank wants a list of " improvements that are substantial in value '' without any definition of what they consider substantial. This is a subjective term that was never presented during my loan terms, and closing documents of my original loan. 

I sent my check for " XXXX '' of {$150.00} on XX/XX/2022. I just opened the mail today coming back from a vacation to see that returned my check and refuse to consider dropping my PMI.

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
PLEASE REMOVE THIS ACCOUNT AND THIS INQUIRY THE MY CREDIT REPORT ACCOUNT : XXXX XXXX - XXXX INQUIRY : 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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2022-06-04
Company: EQUIFAX, 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 account # XXXXXXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
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:
I have attached an FTC report with 2 accounts ans inquiries I did not authorize

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 2022-08-12
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:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -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 2021-10-08
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 

Bankruptcy Reinsertion Also, there's an instance that the bankruptcy is being re-inserted in my credit report. It was disputed and has been deleted. It has defamed my character to lenders, held me back from getting my home and a host of other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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: Account status incorrect

Complaint:
Incorrect information is being displayed on my credit file. Which is in violation of the FAIR CREDIT REPORTING ACT, SECTION 609 & 623. I have contacted you about this information for over a year. that is way beyond the 30 days you are allotted by the law. 

1. XXXX  XXXX XXXX ( closed account ) Account # : XXXX Payment history is being shown as " CO '' 39 times when it should not be. The account was paid and should not longer be shown on my account at all. 

2. XXXX XXXX XXXX  ( closed account ) Account # XXXX I have never had a personal loan. This information is fraudulent. so why is a fraudulent closed account being shown on my account. I reported the fraud months ago to every agency and it was removed by every other credit bureau but 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 non-monetary relief
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: TN
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 disputed this inaccuracy and the lack of reporting of this account with the creditor and the credit reporting agencies and sadly more incorrect information is now being reported. I currently have a CFPB case open with XXXX XXXX that they have not even acknowledged and a complaint with the XXXX. I have tried to call the creditor to resolve the issue several times though out the year and have been laughed at as I explained that everything was related to XXXX XXXX including the direct lose of my father. I have been hung up and on hold for upwards of 2 hours and transferred and the line disconnected. I have provided documentation showing that the credit reporting agencies were reporting inaccurate information on my reports and instead of investigating and fixing the problem they go in and report even more wrong information. Since the creditor and the credit reporting agencies refuse resolve the matter, or have any empathy at all. I am left with no other choice, I have gone ahead retained an attorney to represent me as it relates to this account. The violations of FDCPA ( harassing and threating calls and documented conversations I received at all hours of the day and night, which my cell phone records, voice mails documentation and show ) that took place during the term of this account and the continue inaccuracy and lack of proper investigation from the credit reporting agency. Is the main reason why I will be moving forward and filing the law suit. I have also filed a complaint with the state attorney generals office as it relates to this account so that they can conduct there own investigation with XXXX XXXX and the credit reporting agencies as it relates to this account I personally feel like I have tried everything to resolve this situation on my end and have even explained how this account was related to XXXX XXXX and that there own employees seem to find joy in laughing as I explained that my father had passed due the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-06-04
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
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:
Cardinal Financial loan officer was bothering me non stop for months, finally spoke with her on the phone to get an idea of purchasing my first home and next thing i know i see an inquiry notification while on the phone with them first off i never gave written or verbal consent to pull my credit and now the loan officer will not return my calls and the company i cant get ahold of either, im pretty sure they have fake reviews all over the place because im finding many complaints about real clients who have the same situation they pull credit without authorization and will not return calls this is adhering me from getting a home loan approved now they dinged my credit with a hard inquiry which i have to wait 2 years to apply again this is fraud and nothing but fraud I NEVER GAVE CONEST WRITTEN OR VERBAL FOR THEM TO PULL MY CREDIT REPORT, please help me get this off i need a house.

Company response to consumer: Closed with explanation