BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
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:
XXXX XXXX Date : XX/XX/2014 Amount : {$110000.00} In accordance with the Fair Credit Reporting Act XXXX Account # 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 explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX account number XXXX, DPT EDXXXX account number XXXX and DPT ED/XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency Can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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:
The Credit Bureaus stated that my account was properly investigated but how can that be if the dates last active are incorrect, high credit amounts are incorrect, account status is incorrect, account numbers are incorrect, and response to where inquiries came from were left unanswered? These are all grounds for immediate removal from my credit reports as it has violated my rights under 15 U.S.C. 1681 section 602 A. I was seriously harmed because the Credit Bureaus continued to give out incomplete and inaccurate information after I requested corrections causing my XXXX XXXX to severely and negatively be affected. The Credit reporting agencies are negligent and willful noncompliance with the law are all exhibited here. XX/XX/2023 I have sent out disputes via U.S. Postal Service and have not received an explanation nor has any of these erroneous accounts been removed from my credit report. I have a legal right to pursue legal actions within 2 years after I have discovered the harmful behavior or within 5 years after the harmful behavior occurs or whatever is sooner. The Credit Bureaus has also taken more than 30 days to thoroughly complete their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: The Phoenix Recovery Group
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im having issues with a debt collection company, of the name phoenix recovery group. This company has been trying to collect debt from me from 2020. Ive reported this debt to XXXX  and XXXX reporting as a fraudulent collection debt. XXXX has removed the case from my file. But XXXX wont Ive sent over so much documentation that this is fraudulent any nothing has be done. Ive mailed the phoenix recovery group about removing the fraudulent debt they have on my credit report. The mail me back pass XXXX days say I have to pay the debt. Next i mailed them back stating its fraudulent and they need to remove the false information immediately. They still havent done so Im sure tired of making disputes and nothing has been done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Dates are vague as i dont know the exact dates, but Capital One has each call on file. 

Back in XXXX, I began efforts to repair my credit and pay off debts that I owe to Capital One [ CO ] and other companies. At the time, I had XXXX cards with CO both of which i paid off. Both had been past due for months and charged off. XXXX of them closed and disappeared. 

The other, last XXXX XXXX, never closed but to this day remains " Restricted ''. I called CO earlier this year ( XXXX ) around XXXX i think, maybe XXXX, asking what Restricted meant and what i could do about it. 
They gave me vague information and didnt really explain it very well. But made it very clear that they couldnt do anything on their end and neither could i. 

I asked them to simply remove it from showing up on my app ( i have a secured card with them at this time that I use regularly ), but they couldnt even do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Credit Karma, LLC
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX my bank stated they were going to unlock my account and release my funds to me after I sent them documents which was my license and I sent them that same day and now there are ignoring my emails and not responding! They had no reason to lock my account Or Keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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:
On XX/XX/XXXX @ XXXX a dispute was received via certified mail to TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In this dispute, I requested for TransUnion to carefully investigate my formal write composed statement of unproven compliant misinformation that is all in part : deficient of adequate current status in fullness of truth and accuracy. 

TransUnion completed the investigation and stated the accounts were verified, however PROOF as I requested was given to me. 

On XX/XX/XXXX, I contacted TransUnion via phone, XXXX and requested the PROOF AND EVIDENCE of validation/ownership for the accounts marked as verified. I was told I can not have that information, when asked why, the representative stated TransUnion was not given any proof by the creditor. When asked how TransUnion verified the accounts, the representative stated each creditor was contacted to verify the accounts as accurate. When I began to ask what date they were contacted, who did they speak to, and what information was given to verify the accounts, the representative could NOT give me that information. I asked to speak with a manager, she stated the manager would tell me the same information. I requested to speak with a manager for a second time and the representative ended the call. 

On XXXX, I was transferred to a different department who stated, on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX responded to the dispute and advised the accounts were ACCURATE. On XX/XX/XXXX XXXX responded and verified the TWO Bankruptcy. When asked for PROOF OF VALIDATION, he advised me I would need to contact the lender. I advised the representative due to the information being reporting on THEIR website, Im requesting it from them. I was denied this request. 

Federal laws mandate that all potentially damaging or derogatory reporting MUST be substantiated by IRREFUTABLE testimony. Ensuring the physically verifiability of the CONFIRMED manual validation of any item. Upon the filing of this complaint, please return to or retain federally lawful reporting and immediately annul all allegations made against me as they lack physical evidence. 

I have disputed these items MULTIPLE TIMES, starting in 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 2022-04-20
Company: Verisk Analytics 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 and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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 reported to Transunion on XX/XX/XXXX on XXXX XXXX XXXX XXXX about inaccurate reporting. I simply asked that my XXXX XXXX XXXX XXXX account opened XX/XX/XXXX. I also provided laws from the Fair Credit Reporting. Even though this dispute was submitted on XX/XX/XXXX the company responded on XX/XX/XXXX. That's way beyond the allowed time by law. I ask that this XXXX XXXX Account open on XX/XX/XXXX remarks be updated to all current and on time. 

Your page states " Consumer reporting agencies have XXXX business days after completing an investigation to notify you of the results. Generally, they must investigate the dispute within 30 days of receiving it. 
However, it has 45 days to investigate if you dispute after receiving your free annual credit report. Also, if you submit additional information relevant to your dispute during the 30-day investigation period, it can extend the investigation period for 15 additional days. ''

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 2022-04-20
Company: Experian Information Solutions 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 A 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 explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 reviewed my credit report and noticed an error on the following account : XXXX I have disputed this before with no proof of late payment and have been refused a proper investigation

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 2023-08-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reported that I am a victim of identity Theft on XX/XX/2023. I sent all the proper documentation to EQUIFAX, XXXX, XXXX, and the consumer financial protection Bureau. These consumer reporting agencies failed to block the information on my credit file and properly investigate my disputes under U.S.C 1681 c-2. I have all the paperwork and proof sent from these consumer reporting agencies that violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
We in the process of contacting the credit bureaus to investigate the inquiries.

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # 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 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 2023-03-05
Company: TRUIST FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
On XXXX, XXXX was the date our loan was due to Truist. It was the date the merger took place. We had automatic payment set up from the start of the loan in XXXX with Suntrust XXXX They took two payments. It took 8 weeks to resolve that. Within that time, my credit score dropped from XXXX to XXXX. They also changed our fixed rate to adjustable after the merger. They reported our loan going up one month instead of down when paying it. Again until XXXX, every months there were issues with the automatic payment being incorrectly applied to interest and principal. We had to pay extra one month due to them applying it incorrectly and refusing to correct it. On XXXX XXXX we paid a fee of {$15.00} to re-do the loan. The parent loan with the line of credit was closed and a child loan ( their term ) opened that was now a fixed rate loan that we could not longer draw off of. And we were NOT told that this now made our loan five years longer. A week later, they reported to all three credit bureaus our loan was now {$100000.00}. That stayed on the reports until XX/XX/XXXX with no one resolving the mistakes reported and changing those number that were incorrect with all three bureaus. The wrong payments on certain months show on the credit reports, this needs to be correct. Numbers didnt match anything that was actually paid.We have repeatedly called to get a supervisor. No one has called. On XX/XX/XXXX, I got notice from all three credit bureaus our credit score dropped XXXX pts. It seems that Truist put out there wed only paid {$7.00} toward two loans with them as they also handle our XXXX payment. We pay a total of {$910.00} for both loans. Our home equity is {$440.00} fixed. Our personal loan is {$470.00}. 

We need this errors with all three credit bureaus corrected all the way back until the XXXX, XXXX. Each individual month needs to be done. We are unable to leave this bank to get a new loan as no one will now give us credit. We have are unable to apply for even a store credit card. We have been denied at every turn to have the opportunity to leave this bank. Our credit history has been solid since 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 2022-04-20
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-20
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:
In accordance with the Fair Credit act XXXX Account # XXXX, XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX, has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My consumer rights have been violatedXXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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 account is not mine and has been opened fraudulently. DELETE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting.

agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation