BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 15USC 1681. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate, But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 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. 1681 s-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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine. 

I sent your bureau a dispute letter in regards to these accounts on XX/XX/XXXX, refer to attached document, asking that they be removed. Please note investigative results report should have been done by XX/XX/XXXX. To date, I have not received a report which is in violation of the FCRA. 

I had filed an Identity Theft report, refer to attached copy of filing document. You may call the police department to confirm the filing legitimacy. Please be advised I have a {$600000.00} residential home escrow pending cancellation by XX/XX/XXXX unless these accounts are not immediately deleted. I would prefer this to handled without litigation and damages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: VA
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:
My credit repair specialist has sent in multiple documents to XXXX, XXXX, and Equifax as they continue to violate my FCRA rights in many ways over the past year! I've gone through CFPB and XXXX XXXX XXXX XXXX. They have refused to remove the fraudulent and inaccurate items off of my credit report. My only other option will be to contact the Attorney General 's office and the CEO of XXXX, XXXX and Equifax about their unethical practices at their companies. On XX/XX/XXXX, there was a CFPB complaint sent in. This case was closed, with the fraudulent items STILL on my report! And here I am 1 year later, still fighting for my rights. I filed with the CFPB again on XX/XX/XXXX. This is my last time doing this and I will sue all 3 companies. Everything that I have ever filed will be attached to this complaint for proof. Additionally, there have been new things added to my credit report that do not belong to me. What will it take for the credit bureaus to stop allowing false accounts to be added to my report?! 

Personal Information needs to be updated : Name : XXXX XXXX ( no middle name or initial ) THIS IS THE ONLY NAME THAT SHOULD SHOW Address : XXXX XXXX XXXX XXXX XXXX XXXX ( THIS IS THE ONLY ADDRESS THAT SHOULD SHOW ) Accounts that are STILL reporting, that need to be deleted : XXXXXXXX XXXX # : XXXXXXXX XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Accounts that need to be updated. The late payments are inaccurate! 

XXXXXXXX XXXX XXXX  # : XXXX LATE PAYMENTS Shown are inaccurate. I've also contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # : XXXX Late Payments - I have also contacted the CEO of XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # : XXXX Late Payments - I have also contacted XXXX XXXX XXXX XXXX XXXX  with no help in return. 

XXXX XXXXXXXX XXXX XXXX # : XXXX Inaccurate Late Payment XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Late Payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2023-10-25
Company: Rocket Mortgage, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Both my spouse and my personal information ( name, social security number, birthdate, and employer ) were used to fraudulently file for unemployment after using Rocket Mortgage to get a quote for the purchase of our new home. After telling a close friend, they said the same thing recently happened after also getting a quote from Rocket Mortgage. Within hours of supplying our PII on the Rocket Mortgage website, we began getting emails about job opportunities as if we were unemployed and looking for new jobs. I initially learned about the fraudulent unemployment claim after receiving the notice in the mail, my spouse learned from his employer that a job verification had been sent. The timing is too coincidental to have been the result of any other security compromise or hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX You applied for a credit card on XX/XX/2023 I received the above information via email from XXXX bank and XXXX XX/XX/2023. I did not authorize the credit card application and the address used was an old address ( XXXX  XXXX XXXX, XXXX, OH- I have not lived in Ohio for 7 years ) XXXX  XXXX XXXX that someone used my name, DOB XXXX and SS # to apply for a credit card. It is now noted as fraudulent. I froze XXXX and reported fraud to Equifax and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My care credit account was closed on XX/XX/21 with a {$4000.00} credit limit and a {$0.00} balance. 

I called to reestablish my account and they refused because of 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 2023-05-19
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir/Madam, I am writing to bring to your attention a matter of utmost concern regarding fraudulent hard inquiries that have appeared on my TransUnion credit report. As a victim of identity theft, I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) in rectifying this issue promptly and effectively. 

Upon reviewing my credit report, I discovered several unauthorized hard inquiries made on XX/XX/2023, by : XXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XX/XX/2023 XXXX XXXX ( XXXX ) XX/XX/2023 XXXX  ( XXXX ) XX/XX/2023 XXXX  ( XXXX  ) XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XX/XX/2023 XXXX ( XXXX ) XX/XX/2023 XXXX XXXX ( XXXX  ) XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XX/XX/2023 XXXX XXXX XXXX ( XXXX XXXX XX/XX/2023 I have taken immediate action to mitigate any further damage by contacting the respective financial institutions and alerting them to the unauthorized inquiries. I have also placed a fraud alert on my credit file with all three major credit bureaus, namely XXXX and XXXX, to prevent any additional fraudulent activity. 

As a responsible and vigilant consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and its subsequent amendments. According to the FCRA, consumers have the right to dispute any inaccurate or fraudulent information present on their credit reports. Furthermore, Section 605B of the FCRA states that any inquiries resulting from identity theft must be promptly removed from the consumer 's credit file. 

In light of the aforementioned rights and the fraudulent nature of the hard inquiries, I kindly request the intervention of the CFPB to assist in the immediate deletion of these unauthorized inquiries from my TransUnion credit report. This deletion is crucial to protecting my creditworthiness, as these fraudulent inquiries may impact my ability to secure future credit, loans, and financial opportunities. 

Additionally, I have enclosed copies of supporting documentation. 

I appreciate your attention to this matter and trust that the CFPB will take swift action to address and rectify this issue. Please provide written confirmation once the fraudulent hard inquiries have been deleted from my TransUnion credit report. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Thank you for your prompt attention and assistance in resolving this matter. I look forward to a favorable resolution. 

Sincerely, 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 2023-02-27
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to get my three free annual credit reports and files today several times ( XXXX XXXX ) on annualcreditreport.com and was denied to receive them. I need them sent to the address I have on file at CFPB website immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, 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 Please remove the following accounts from my credit report!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 2023-03-30
Company: Valor Intelligent Processing, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX has been irresponsible transferring my cell phone account to debt collectors that don't provide excellent service to my cell phone account. 

XX/XX/2022, I transferred my cell phone number from XXXX to XXXX. 

Doing transfer process, I was waiting for XXXX to help pay for the transfer from XXXX. 

I was making payments on my XXXX account until I receive T-Mobile compensation to help pay on my account. 

Instead of XXXX keeping my account, they transferred over to a debt collector that was unprofessional in handling my account. 

2 months later, XXXX put my cell phone account on my credit report which was {$280.00}. 

XX/XX/2022, debt collector, handling my account, tell me I owe {$330.00}, but I told them that's not what I saw on my credit report, which was {$280.00}. 

They told me it was their added on fee, I didn't pay because XXXX did not warn me it was sending my cell phone account to a debt collector. 

Fall of 2022, my cell phone account was transferred again to a different debt collector. 

This one is Valor Intelligent Processing , LLC. 

They send me two separate letters both saying I owe {$330.00}, which is unfair due to the way how XXXX and these two debt collectors handle my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Re : Barclays credit card Back in XX/XX/XXXX after purchasing a new XXXX and paying it off through Barclays, they decided to continue the Acct with a {$2000.00} line of credit. By XXXX of XXXX they increased that amount to {$3700.00}. By XXXX of XXXX they again increased the line to {$6700.00}. By XXXX of XXXX they increased the line to $ XXXX XX/XX/XXXX it was {$9800.00}. It stayed at {$9800.00} for ALL of XXXX and into XXXX. In XXXX of XXXX there was a short payment of {$67.00} and the only late fee EVER was charged and reversed on the same statement. 
In XXXX of XXXX I made a large payment of {$2600.00}. Only to receive a letter on XX/XX/XXXX that my limit was reduced to {$5700.00}! This upset and confused me but I assumed it resulted from the pandemic or something. My limit remained at {$5700.00} until this month when I made yet another {$2000.00} payment. Then today received notice that my credit line had AGAIN been lowered to {$3000.00} now! They keep telling me my amount due is too high relative to my available credit line! Well OF.COURSE IT IS! You keep lowering the line! 
This is unacceptable! There is no valid reason to do this to someone that has been with them since XXXX and has no history of late payments. 
Plus they have run 3 hard inquiries this year when the average is 2. Combine these with my lowered available credit amount and my score has suffered tremendously! 
Not a happy customer.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-02-27
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 filed a dispute on my Equifax credit report against XXXX XXXX reporting my XXXX XXXX account as past due for XXXX dollars. Equifax determined that XXXX incorrectly reported the past-due amount and changed the XXXX XXXX payment status. This dispute was filed on XXXX/XXXXXXXX ( The same month that XXXX stated that the amount is past due, how can XXXX XXXX payment be past due and it was reported past due in the same month ). XXXX is committing fraud and needs to be bared from this continued harassment because they disagree with their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: SC
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX XXXX ( Original Creditor : 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 2023-10-28
Company: EQUIFAX, INC.
State: CA
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 an 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