BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-05
Company: EQUIFAX, INC.
State: CT
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:
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX from my credit report but XXXX  is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Loqbox US Inc
State: NC
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Hi, I checked my credit and saw loqbox finance us llc and I dont sign up for it. I have no knowledge of ever signing up and it shouldnt be on my credit. This is fraud please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have disputed with Equifax about XXXX XXXX XXXX Acct # XXXX. Upon completion of their investigation I received paper reports stating the account was deleted. I also have credit monitoring screenshots from credit karma that shows the account was also to be removed. I pulled my Annual Credit Report for Equifax on XX/XX/2021 and the account is still showing. I have also pulled my Identity IQ report that was refreshed on XX/XX/2021 which also still reflects the account on credit file. The dates for the removal of the account was on XXXX different occasions : XX/XX/2021 and XX/XX/2021. I have not received any notices claiming they were going to reinsert. I have been disputing this account since before XX/XX/2021. However, I have only attached screenshots from the most recent investigation. Equifax simply refuses to remove the account. They are violating my rights. Their refusal is causing a negative impact on my credit score. I have sent additional disputes with copies of screenshots as well as the paper reports they sent me back to them and they still will not update my credit report. They claim they can not re-investigate a dispute that has already been investigated with proof! How is that even possible? I am not sure what else I need to do. Equifax 's refusal to remove an account that was supposed to be removed TWICE WITH PROOF is a violation of my rights to an accurate credit report! Their lack of concern for consumer law is negligence!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pulled my credit report on XX/XX/XXXX. I found several errors and items I disagree with. I proceeded to contact TransUnion, XXXX, and XXXX  in writing about these issues in an effort to get them corrected and removed. On XX/XX/XXXX I mailed a written notice to XXXX, TransUnion and XXXX. The following items were not properly investigated, in my opinion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX On XX/XX/XXXX I mailed another letter to Transunion, XXXX and XXXX requesting a re-investigation be done as I believe strongly that if they actually investigated this account, it wouldn't have been able to be verified. On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX  for which they did not properly investigate the account either. XXXX XXXX  continued to refer to the account as an auto loan when there was no advancement of article or monies ; just as well the agreement states it to be a credit sale in accordance to the retail sales contract. 

I then contacted XXXX  XX/XX/XXXX when they supposedly investigated the account yet deemed it as reporting correctly and then again on XX/XX/XXXX when I noticed more errors regarding account XXXX which I never agreed to. The transaction history shows a new account was open on XX/XX/XXXX although it reporting to XXXX as being opened XX/XX/XXXX. XXXX claims their reporting to be correct yet have not provided an agreement for the alleged account number XXXX nor will they correct or remove their incorrect reporting. 

XXXX has also failed to mark these accounts as in dispute as required by FCRA.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 

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 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 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 2024-01-01
Company: TRUIST FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My car company https : //www.regionalacceptance.com contacted me about my loan. The representative violated the FDCPA laws during the call. The representative name XXXX XXXX called me and did not provide any disclosures and nor did he perform verification to ensure he was speaking to the right person. The representative started yelling at me about the status of my account and started demanding payment. At the time of the call XXXX XX/XX/23 I had other people in the car with me who over heard the whole conversation. The representative was rude and very unprofessional. The representative even advised me to give my car back and told me my loan status was unacceptable. He didnt not offer me any options or try to figure out my situation. I advised the representative I had an issue with how he was conducting himself during the call and the representative continued being disrespectful to me.

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 2021-09-05
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian is not reporting all of my good revolving lines of credit. These items should appear on my credit report and they are not showing on Experian. This is the reason why my Experian score is 100 points less than both XXXX  and XXXX. Experian is reporting 4 lines of credit when I have 7 revolving lines of credit. See the attachment for what Experian is missing. This also impacts lenders seeing me as a thin file with Experian as they are only reporting 4 lines of credit. A thin file is less than 5, I have 7 lines of credit open.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX XXXXXXXX

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 2023-09-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account Number : XX/XX/XXXX, XXXXXXXX XXXX XXXX Account Number : XX/XX/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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: BBVA FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
There is a company, XXXX, that has been continuously doing {$88.00} biweekly ACH transactions against my Simple   bank account, even after I've revoked their authorization and cancelled my subscription. I followed XXXX 's revocation process on XXXX. On XXXX they charged my account anyway. I contacted them on XXXX again to revoke authorization and on XX/XX/XXXX they charged my account again. I have tried calling that company and they just hang up on me. So on XX/XX/XXXX I initiated a dispute with Simple bank. I explained the situation and requested the money be returned to my account. I also requested that they block future ACH transactions from XXXX. They agree to put in a block request. Then on XXXX my account is debited again by XXXX  for another {$88.00}. When I ask Simple why they were able to do that even though they were blocked, they said that they didn't have a chance to process the block request! They then told me I had to add that charge to the other two, and complete the dispute process. So I did that. Per Electronic Funds Transfer Act they have 10 days to complete the dispute or if it is going to extend longer they have to offer the provisional credit for the full disputed amount ( {$260.00} ). I requested the provisional credit and was told know. DESPITE the fact they didn't even start the process until yesterday when they sent me paperwork. They've had the dispute on file since XX/XX/XXXX, with me asking for updates every few days, and just the last few days decided to follow up on it. AND told me no provisional credit. So I copied and shared the EFTA section detailing the dispute process. Then they put a {$500.00} hold on my account, so that even if they DO offer the {$260.00} provisional credit as required, I won't be able to withdraw it because they are showing me - {$500.00}. 

I had deposited a check from my cousin on Friday for {$500.00} and they placed a hold on that. I'm not sure if the check was returned and that is the reason for the additional {$500.00} hold but I shouldn't have another {$500.00} hold for the same check that they already put a {$500.00} hold on. I never received funds on that deposited check so why would they hold an additional {$500.00} from it? It feels like they got irritated with my complaints and decided to hold another {$500.00} so I couldn't access anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Accurate Background
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A company got my background check done from you guys! And they said it didnt clear I would like to know why?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Security Credit Services, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or around XX/XX/ Security Credit Service post my account with the credit bureau without my permission. 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. This is against the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Security Credit Service did not have my permission to disclose any of my personal information without my written instructions. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2023-08-07
Company: Dynamic Collectors, Incorporated
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX went out business. I made my payments, but the company that took over didnt apply them to my account. We disputed those charges which then was sent to collections. We sent debt validation letters Dynamic Collectors Inc.but they didnt respond in the timeframe and didnt send all information requested.

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 2023-03-14
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
To whom it may concern, This is my second time filing a dispute with Transunion and they are still refusing to properly investigate and remove a bankruptcy that is not mine even when I sent in documentation proving that the bankruptcy is not mine. XXXX and XXXX have since deleted the bankruptcy as I provided them with the necessary documentation which I also sent in to Transunion but they refuse to remove the bankruptcy. They continue to send out investigation results fromXX/XX/XXXX and have not made any attempt to actually review the documents that were sent in. This is against the law as only accurate information can be reported 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 explanation
Consumer complaint received 2019-02-06
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been a long time customer with US Bank, I have a checking account, a debit card and a savings account along with two credit cards with USBANK. 

Since XXXX of 2018, US Bank 's Debit Card chip stopped functioning. 

I called and had a replacement sent out, it did not work -- every place I use it gets an error. So I called and they sent another card. 

THAT card chip doesn't work. 

So every time I use it, I get a decline notice, I have to have the cashier try again and again and again until the system allows them to bypass the chip. 

I called in XXXX twice, XXXX, XXXX and XXXX. 

US bank only offers to replace the card which requires me to update all my billers, only to get the same result of the card not working. 

Clearly a pattern has been established after 3-4 cards now that there is an issue with the chip manufacturer or technology and rather than address it US bank just keeps sending out bad cards. 

I've asked that they investigate, but I've been told its not something they can fix, investigate etc. 

At this point my money is not available to me. I can not use self service stations. I have to beg cashiers to run my card until they can bypass the chip technology. THis has to be addressed.

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 2023-09-29
Company: EQUIFAX, 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:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30
Company: EQUIFAX, INC.
State: VA
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 of Va Child Support Division have deliberately reported wrong and false information as a retaliatory tactic on my credit report for over 20yrs. I disputed this information with the credit bureaus many times through out the years. It have completely came off the XXXX report but Equifax still refuse to take it off saying I must contact Child Support when I have many times. I Called Child Support also many times over the past years, but we have always had a bitter ongoing dispute regarding this and other situations related to courts, custody, and other suits, and other issues that add more fuel to the fire, so child support refuse to do their part when updating or reporting accurate information. I was even told by a social worker that they will personally make sure that I am faced with finical difficulty and stress and they will use any and all governmental means to do so which they have. The Child Support agency first reported on my credit report back in XX/XX/XXXX. This particular account was paid off in XX/XX/XXXX as you can see they still refuse to reflect that on my credit report back than. Another thing is I have several child support accounts over the past 20yrs because of the children being in different custody situations but mostly me having physical and soul custody the most of their lives, but the child support account shows up as one on the credit bureaus sites. In even if Child Support was combining all the cases as one than the reporting is still incorrect. Its showing payments as not current when this was never the case at the times reported. I have the records for the child support accounts, and it is clearly intentionally reported fraudulently to the credit bureaus. This have kept me from utilizing my credit to get further in life, and still continues to do so it is making a negative impact and continues to hinder my credit and its being able to be utilize to its full potential.

Company response to consumer: Closed with explanation