BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: SC
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 sent a letter last XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$590.00}, XXXX XXXX XXXX Balance : XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$100.00}, XXXX XXXXXXXX Balance : {$570.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1400.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : -, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$270.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$730.00}, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00}, XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00}, XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$620.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
When I check my credit report those account violate my right I never deal or sign any document With those company In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, those accounts for XXXX XXXX and Experian. Account that need to be deleted and investigate XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX Bank XXXX XXXX, XXXX XXXXXXXX XXXX, I do not have any account or business with those information or

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 2023-04-14
Company: Experian Information Solutions Inc.
State: CA
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:
I sent a letter off on XX/XX/2023. Here is the tracking # XXXX to remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy.

Also according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2023-04-14
Company: EQUIFAX, INC.
State: LA
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 the debt with XXXX Bank according to the FCRA laws Section 1681 ( i ) a, I heard that you have to provide proof of this debt, if you can't provide proof of the accuracy of this debt it has to be deleted. There are inconsistencies with balances and dates between the reporting of this debt on Equifax and XXXX. I can't get validation to the accuracy of the debt amount. I am suppose to be provided the info to how much the vehicle sold. I have not obtain any written proof to challenge the debt and its validity. The credit bureau sided with the company without adequate proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
on XXXX XXXX, certified mail was set to transunion, its contents included information off alleged identity theft, US government issued identification, and a notarized letter with my signed statement stating that the information listed was not a transaction made by me. 
According to title 12 us code 1681c-2 credit reporting agency has no more than 4 days to remove any information that is identified as a alleged identity theft. 
i called transunion on XX/XX/2023 XXXX, after receiving a letter that my request was denied. i spoke with XXXX XXXX of the specialized fraud department who stated i have rights when it comes to what is being reported on my credit report. i mentioned several times that according to title 15 us code 1681b written instruction y the consumer of whom it relates is needed and was told by XXXX XXXX that i have no right to this law. 
transunion continuously disregards the Fair Credit Reporting Act as well as the Consumer Credit Protection Act.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX and XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX- I went in to trade a car and XXXX seem to add a few payment history that I did not consent to be used for reporting purpose, that also repo my car while I was at work. Which I advised them prior, that I'm going through hardship with being hospitalized a month before. I had to borrow money for other folk to get the car out of repo in order to continue work.

Company response to consumer: In progress
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: MI
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 following list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. 

Account name : XXXX XXXX XXXX. 
Account # : XXXX Account name : XXXX XXXX Account # : ending in XXXX XXXX number ending in XXXX Have violated my rights. 

15 USC 1681 section 602 A, states that I as a consumer have a right to privacy.

15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of criminal convictions which antedates the report by more the 7 years.

Both of the listed parties have illegally reported damaging adverse items on my credit report and it has since led to me being discriminated against from other creditors as stated in 15 USC 1681c. ( a ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
I can not start any dispute in my transunion online profile. I can not place a credit freeze in my transunion online profile. I can not place a fraud alert on my transunion online profile. I can not view my credit report in my transunion online profile. I have called in to transunion many times starting XX/XX/XXXX, and XX/XX/XXXX, and other dates. I have asked them to allow me access to my online services. Each time they say they will escalate my inquiry, but to this date there is no results. I can not do anything in my online transunion profile. Please see attached the " error '' messages that I receive when I try to do any of the above. 

Please note that on the XXXX of XXXX I submitted a complaint and transunion claims its resolved, however the same problem still exists. The issue is not resolved.

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 2023-04-14
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage failed to pay City of XXXX taxes semi payments in XXXX and XXXX resulting in the County putting the property in tax sale. They knew about the situation for 9 months and did nothing. I had plenty of funds in my escrow account and pay my mortgage on time every month. I have spent hours upon hours on the phone with them trying to get this resolved. They paid the attorney fees to get the release on the tax sale. They then paid the County taxes. I was told I was not responsible for attorney fees, penalties or other fees associated with their mistake. I then received a letter that my mortgage was going up {$600.00} per month because of an escrow analysis. The analysis included the penalties and fees Freedom was responsible for because of their negligence. I was then told incorrect information regarding the fees by multiple customer service reps. Every time I call I have to sit on the phone for hours to explain the situation and hope I get a rep that sort of understands. I then am told it will be researched and someone will get back to me in 14 days, which never happens.

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 2023-04-14
Company: Maximus Education, LLC dba Aidvantage
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had loans for a private college through Navient. Navient put me in forbearance when I couldn't pay and told me that I'd sit in forbearance and accrue interest, or I should go back to school if I couldn't pay ( I elected to go back to school to try to get a higher paying job ). People like me should have been included in the settlement, can't tell if I actually qualify due to the limited information available, though think I should be eligible because I was steered towards accruing more debt, just in a different way than those pushed to forbearance long term. 

I received forbearance steering in the form of " we won't let you have it '' so " go back to school if you don't want to default '' When I try to log into Navient it takes me to my updated XXXX account. I previously reported it and they said they " couldn't find me '' which is disingenuous, and dishonest. I have attached a PDF of one of the hundreds of emails I have in my inbox from Navient about their servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I submitted a paycheck from ADP from my employer from an Iowa bank in Iowa which I live. I went to my bank, Bank of America. The check was for {$1200.00} and some change. It was my paycheck. Ive never had a problem with their checks being returned before. The bank is holding my check until a WHOLE 7 days because information on the check indicates it may be returned this is such a bologna reasoning and I need my money to pay my bills. Requests for payments have been returned in my account however, NEVER HAS A DEPOSIT BEEN RETURNED. This is crazy and I need my money and they shouldnt be doing this with at least giving any temporary available funds or trusting their customers.

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 monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There are 2 accounts from Dept of EdXXXX opened in my name on XX/XX/2023. One for {$3000.00} and another for {$1700.00}. I have never had a student loan in my life. I went to the XXXX XXXX XXXX XXXX from XXXX on a football full scholarship.These two accounts showed up on my credit report and I was given their number to reach them. When I called I was kept on hold for an hour and 36 minutes then it appeared as someone was taking the call then disconnected me. I contacted Transunion and XXXX and both advised that I contact the FTC and file a police report for identity theft, fraud, and whatever else I could think of against the Dept of EdXXXX XXXX . I filed a dispute with the credit reporting agencies and it stated the accounts are mine. I am XXXX XXXX XXXX and have been with the same financial institution for 15 years as a XXXX XXXX XXXX.I can provide whatever is needed along with picture ID. I am 100 % sure that the Dept of EdXXXX can not provide my same information. Please help!!!

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have business account with XXXX and XXXX after 7 years of being open, they decided to give my business a credit score using my personal credit score. The problem is the personal credit score is WRONG. XXXX knowingly replace my credit report with some made up information. I have one physical copy of my credit report and I also have a copy of the credit report they presented to XXXX which produced a low 500 score. I also have XXXX XXXX XXXX XXXX and they using transunion. After contacting transunion, they decided to dispute all accounts on behalf which was 3 that was giving me a negative score. Including a balance of XXXX that pop up on my credit with XXXX XXXX, that no one knows where it came from. Transunion, says not theirs and they can't even see the balance. 
XXXX XXXX says they didn't do it and don't know why its their. Yet, its still their. I'm finding XXXX has me down for XXXX score. Why, I have no ideal, but I haven't added any other accounts to my credit score. I know I shouldn't be in no 5 or 6 anything. I'm sending my screenshots as proof.

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 2023-12-10
Company: FlexShopper, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX, and XXXX the same debt has reopened via XXXX by a company named XXXX XXXX. This has been resolved over lengthy processes costing me money and time. The account claim has been reopened as of XXXX with XXXX XXXX and XXXX for {$380.00}. 

Additionally, I have reached out to the credit bureaus to remove an address based in New York associated with the fraudulent activity. I have never lived in that state and have already provided all the proof previously for this account. 

I repeat, this account and address has been addressed 3 times and twice closed for fraudulent activity. I am in the XXXX with a job that this greatly affects and need help to remove this permanently since XXXX XXXX keeps getting new collection agencies to reopen accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
After submitting multiple disputes to the credit bureaus asking them to validate the details, they informed me that all the details have been verified. However, I am skeptical if a proper investigation was conducted in accordance with the FCRA 15 USC 1681, which requires all reported information to be 100 % accurate or deleted. I have highlighted the code as follows : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re investigation ; To support my claim, I have obtained my credit reports from all three bureaus and attached photos highlighting inconsistencies. These include incorrect last dates updated, unmatched balances, and inaccurate payment history. This is a clear violation of the law as all the reports show inaccurate information but are still listed on my report. Additionally, proof of dispute is in the comments of the photos attached. The XXXX XXXX XXXX account ( XXXX ) is the subject of these discrepancies.

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 2023-04-13
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:
Account with XXXX account number XXXX was previously removed from my credit report as a result of FTC identity theft report number XXXX. The original account has been re-inserted into my credit report now as a different account number which is XXXX. Per the FCRA, the Credit Reporting Agencies are required to verify police reports and fraud affidavits for accuracy. As a result of prior identity theft reports, this account was deleted and blocked as a result of fraud. When the CRA delete and block an item as a result of fraud reference FCRA 615 - U.S.C. 1681m ( f ) ( 1 ) -Prohibition on sale or transfer of debt caused by identity theft. 1. In general - no person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 605B has resulted from identity theft.

Company response to consumer: Closed with explanation