BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: EQUIFAX, 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 am writing to file a dispute against XXXX, XXXX XXXX Equifax consumer credit reporting agency, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on 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 According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like XXXX, XXXX & Equifax are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that XXXX, XXXX XXXX Equifax has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore XXXX, XXXX XXXX Equifax has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of XXXX, XXXX XXXX Equifax actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of XXXX, XXXX XXXX Equifax unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX, XXXX XXXX Equifax for its violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease/delete all unlawful furnishing of data onto my credit report of which I mentioned above without my written consent Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXX Balance {$64.00} ; XXXX XXXX XXXX XXXX Balance {$0.00}.

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 2022-02-09
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I was evaluating my credit report and I observed at collection that I am not responsible for. Its a medical collection from MEDICAL DATA SYSTEMS for XXXX. I have no knowledge of collection. My information is mostly like been compromised and I am a victim of idenity fraud. I am requesting that collection is removed from my credit report immediately so I can better qualify for new credit. Below is a copy of transaction from XXXX. 

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$200.00} {$200.00} Payment Info Original balance {$200.00} Balance {$200.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX FL XXXX XXXX FLXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.

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 2023-01-24
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

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 2020-02-07
Company: AG AH LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, First, thank you for taking the time to read and process my complaint. 
I may not have the exact dates of my first contact with XXXX  ( my mortgage loan servicing company ). But it is safe to say it occurred between XX/XX/XXXX & XX/XX/XXXX. 
After noticing an increase in my home value i reached out to XXXX to initiate a home appraisal for the purpose of removing my PMI. I was told it would cost {$580.00}, i found this to be too high as my research showed that the average appraisal cost in California was 500-530. 
After speaking to my realtor and members of his team, i was advised to reach out to XXXX to see if i could use an outside appraisal. XXXX told me that this wasn't possible, and the cost somehow went up to XXXX and i could not initiate the process without sending in a formal request via the portal. 
I sent the request but didn't hear back from XXXX for about 2 weeks, so i called again about 2-3 weeks ago. I spoke to a customer rep, who informed me that the portal ought to have been sending me information to my email. So, it turns out that vital information regarding my mortgage was not been sent over despite my email been correctly listed in the portal. Back to the issue at hand, the customer rep told me that after i sent in the request via the portal the appraisal would cost {$530.00}. What she failed to inform me was that i had to pay the fee while my request was been processed. Without this knowledge i assumed that my request was been processed, so i called this morning XX/XX/2020 to receive a status update. It was here that i was informed that i had to pay the fee before my request could be processed, and then the customer rep let me know that the fee for California was {$910.00}. As you can imagine i was utterly taken aback by this enormous fee especially given that i was just quoted {$530.00} 2-3 weeks ago. In fact, the customer rep confirmed that the notes on record showed that the previous rep had stated the {$530.00} quote. 
I have never been delinquent, and i am in good standing with my mortgage, all i ask is to receive a fair price for a fair appraisal and qualify to remove my PMI. I would think my loan servicing company would not be attempting to hinder the efforts of a client in good standing but i suppose this is not the case with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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: Their investigation did not fix an error on your report

Complaint:
I have attempted to resolve the reporting error with the credit agencies twice. I have a 90 day reporting error on my credit and after disputing the information twice it has not been resolved. 

I disputed the report due to it being inaccurate. The report shows on time for XXXX XXXX and XXXX XXXX but then shows 90 days late for XXXX XXXX. This is an obvious error and obvious violation.

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 2023-05-13
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/XXXX and XX/XX/XXXX of XXXX, I filed a dispute with XXXX, Experian, and XXXX addressing incorrect information in my credit report, specifically regarding the following items : I'm reaching out because XXXX, Experian, and XXXX are messing up my credit report. They're breaking the rules of both the Fair Credit Reporting Act ( FCRA ) and the CARES Act, and I urgently need your help. 

When COVID-19 made things tough for me, I got an accommodation agreement to ease my student loan with DEPTEDXXXX & XXXX XXXX XXXX The CARES Act and 15 US Code 1681s2 ( F ) state that during this period, my loan should be reported as current, but XXXX, Experian, and XXXX is wrongly labeling it as late. 

Plus, they're not handling my complaints about negative accounts correctly. The law, specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) and 15 U.S.C. 1681i ( c ), says that they need to fix or remove any wrong or unverified details after a dispute and clearly mark any disputed information in future reports. But they're not doing this. 

Even more, XXXX, Experian, and XXXX isn't following the rule of 15 U.S.Code 1681e ( b ), which says they should take reasonable steps to make sure my credit report is as accurate as possible. This is not happening. 

Because of XXXX, Experian, and XXXX 's wrong actions, my credit score is taking a hit and it's getting in the way of my future financial plans.

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 2023-01-24
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXXXXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Experian Information Solutions Inc.
State: WI
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 2021-06-04
Company: General Motors Financial Company, Inc.
State: NY
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:
GM Financial is reporting erroneous lates on my credit file. They are reporting lates for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and lates all through out XXXX. During this time i was affected by COVID an was un able to make full payments. I called and try to make partials payments but the representative refused to take my payments. I was trying to get back on track and give GM the little bit i had but again they refused to work with me. I am very disappointed that even during a hard time and while we were all in a global pandemic they weren't willing to help. I would like these lates to be removed from my credit file. I was not late, i tried to make my payments but they refused to work with me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Tower Loan of Mississippi, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Tower loan has made two hard inquiries on my credit without my consent. Once XXXX XXXX and again on XX/XX/2021. I tried to resolve with them but because my loan is late the refused to resolve the unauthorized hard inquiries on my credit. This is unacceptable.

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 2023-08-22
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021

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 2022-07-09
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:
I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX Account Number : XXXX this company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2022-12-02
Company: PNC Bank N.A.
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:
PNC is reporting blatant inaccurate, inconsistencies on my credit report and according to the FCRA Statutes 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. I have never been late yet the payment history shows a late payment. This 1 late payment out of my entire history is holding my credit from its full potential and I have NEVER been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My late father opened up credit cards in my name and my siblings names without our consent. He stole our birth certificates and social security cards and applied to these credit cards and loans. I never got the chance to even build my credit due to this. he passed away this month nand I'm left in debt along with a car note that is through the roof. I'm planning on keeping the car since I retrieved it at his home the week of his passing, it is already in my name but everything else that is on my credit is was not me it was him and it's making me so XXXX  and miserable, I'm not even able to get my own apartment or open any credit cards to help me prosper in my life. {$660.00} Capital one - 1 year and 11 months {$420.00} Capital one 1 year and 9 months {$720.00} XXXX XXXX XXXX  1 year and 6 months {$270.00} XXXX XXXX 1 year and 5 months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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