BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: NC
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 am deeply concerned about the accuracy of my credit report because I have found several inconsistencies that seem to conflict with my financial records. These discrepancies have prompted me to write this letter formally contesting these entries and kindly asking for your immediate attention and assistance in diligently resolving this issue. 

Upon careful review of my credit report, I have noticed that certain items appear to contain inaccurate information. I have attached copies of all letters sent below for your reference. 

Recognizing the importance of accurate credit reporting, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 611 and 608, to contest the accuracy of these disputed items. I trust you to conduct a thorough investigation in accordance with the FCRA to promptly correct any errors. 

Maintaining a truthful and transparent credit profile is crucial for fair financial assessments. Given the urgency of resolving this matter to protect my financial credibility, I implore you to handle this dispute with the utmost seriousness and professionalism it demands. 

I greatly appreciate your commitment to upholding the principles of fair credit reporting, and I am confident that through our collaborative efforts, we can address these issues in compliance with the law and restore my trust in your reporting services. 

I kindly request that you keep me updated on the results of your investigation and any steps taken to rectify these inconsistencies. Please feel free to contact me using the information provided if you require additional details or documentation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and an accurate credit report that faithfully reflects my current financial situation.

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: EQUIFAX, INC.
State: TN
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:
XXXX XXXX has been taking payments every week when they are supposed to be taking payments every two weeks. They are reporting that my payments are behind but can not provide me the proof. This has affected my credit to where I have been denied a home loan. They continue to harass me and call me daily about a balance that is past due when in fact it is paid and they are not updating the payments on their end. I have sent them multiple letters and even called them to fix this on my credit and they still refuse. Hopefully me filing the complaint will work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
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 Reporting Act XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: CA
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:
This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XX/XX/2023 I tried cashing 2 checks at XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX. 
They had ne held up in the drive-thru for quite a while. So I start talking to myself saying why is it that they keep doing this. If there is a issue someone should say something because it doesn't normally take that long to cash a check. But on my last few visits they've kept me held up for over 5 to 10 minutes. The guy in the drive-thru says no, there's no issue. Moment later he says unfortunately we can't help you. He asked for my card and my ID, he said his computer crashed and he disappeared forba while. I leave and head over to XXXX XXXX, XXXX, NC XXXX a couple hrs later and things took a turn for the worse. 

Upon arriving at that location I head over to the information station to see if I could speak with someone. He was busy so I went over to a cashier. I get there the guy says he can't find one of my checks in the system. I'm confused, because why would it be in the system, and I've cashed checks from that company before. He says we'll can you show me where you printed it from? So I said what XXXX XXXX? ( Later realized it was actually XXXX XXXX and so I told him that ) he says yes. He had me login and show him all of the checks that I had gotten. I then realized that this guy tricked me into showing him my personal information in order to stall for the police to show up so that they can trespass me. I mean this guy was scrolling and clicking and asking questions and trying to get me to show him more from different applications pretending to be looking for something specific but he was stalling, at the expense of my private information. Knowing he wasn't going to be cashing not a single check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: NC
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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:
Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate and questionalbe items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting act everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 1 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
Consumer complaint received 2023-05-03
Company: Westlake Services, LLC
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:
I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt 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 2023-07-24
Company: BID SOLUTIONS LLC
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XX/XX/2022 I reached out after receiving a mail brochure to help get assistance with my mortgage due to extenuating changes in my financial situation preventing me from being able to pay my mortgage. The company had me sign documents one very specifically stating there will be no further charges past a set {$6200.00}. After several delays on their part causing this to drag one way into 6 months the total payments sent to them in excess of over {$12000.00}. I ended up having to resolve the issue directly with XXXX XXXX XXXX XXXX because the company was unresponsive to them and submitted paper work with no contact information. Throughout this entire process they ignored my emails and voicemails. If I finally got someone on the phone I asked to speak to management and was flat out denied or they would say someone would call me right back and it never happened. In addition to everything their false promises of reducing my mortgage actually put me in a position where I now have a lean against my home and my mortgage payment has gone UP by {$57.00}. I fully believe I should get back every cent I paid this horrible company as they did not honor a single commitment that was made, if this is not a possibility this company needs to be held accountable to pay back the additional {$6200.00} that was paid to them as their representative told me I have to keep submitting payments until the issue is closed out. The office of the comptroller of the Currency requested I file a complaint with you. My case number with them is available should you require it. Thank you so much ahead of time for anything you can do to help with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Every time mortgage lenders pull a credit report from the three main credit bureaus, our clients begin receiving hundreds of phone calls, text messages and emails!! Even if we use the opt out or do not call list, these other lenders are going around the protections by looking up the customers online. I believe this is a major violation of the right to financial privacy act as the clients sensitive data is being sold to other lenders by the credit bureaus!! I have contacted our congressman and senator and the attorney general. I have thousands of customers who have had their privacy violated including myself and members of my family!! 
This is a rampant problem in the mortgage world and it needs to stop now!! What is the next step in a solution for this huge problem? 

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 2023-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: I.C. System, Inc.
State: WA
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:
The credit bureaus stated that I C System, was properly investigated, but how is that possible when the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? This is grounds for removal, they also violated my rights under 15 U.S.C 1681 Section 604 A Section 2.

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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was reviewing my credit report and noticed some inaccurate information that i did authorize. I sent out letters to the company over 30 days ago and still havent got a response. These accounts are hindering it is keeping from gettin auto Lon or mortgage. Please verify and remove these items from my credit

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 2022-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Affiliates Management Company
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am having problems with : CO-OP Financial Services XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX, XXXX XXXX Their phone is = XXXX -- XXXX coop extension They are contracted by 'XXXX  XXXX XXXX ' CO-OP Financial Services ( risk_email@coop.org ) is not returning my money from FRAUD TRANSACTIONS on XX/XX/2018 ... {$990.00} ... ... XX/XX/2018 .... {$490.00} CO-OP Financial Services ... hangs up the phone on their customers and needs to return my money from the fraud transactions. 

CO-OP Financial Services ... needs to be SHUTDOWN and not operate.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2023 I wrote a letter to all 3 Credit Bureaus concerning a Auto loan from XXXX XXXX. In the letter I asked them to please verify the information being reported because it was being reported with the wrong amount showing after the car had be sold. Well after waiting 45 days I called each reporting bureaus only getting through to 2 out of the 3 with them saying that the balance has been updated which is hasn't. According to the Fair Credit Act if wrong information is being reported even if it is off by a XXXX XXXX XXXXXXXX of dollars. It's causing me financial damage so my question is shouldn't it be removed? I just believe these bureaus have become untouchable and feel like they are able to do whatever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: OH
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:
n accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX  acct # XXXX, Ohio XXXX acct # XXXX, OH XXXX acct # XXXX, XXXX XXXX XXXX, Ohio XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, Ohio XXXX XXXX acct # XXXXXXXX XXXX XXXX 's acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX  acct # XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-27
Company: EQUIFAX, INC.
State: GA
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 believe the reporting credit bureaus are in violation Equifax XXXX And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Local Data Recovery, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted by phone on XX/XX/XXXX XXXX XXXX regarding an alleged debt from this debt collector ( LD ) Local Data Recovery LLC. XXXX XXXX XXXX XXXX, GA XXXX. I was unable to answer the phone and they left a message about an alleged debt. I contacted the company and advised the person on the phone that the conversation is being recorded and then asked that they provide something in writing what they were calling about. I asked the person on the phone XXXX XXXX to email me a copy of the letter, however I was transferred and told I would not be sent a letter regarding this debt. On this date they mentioned filing a lawsuit and garnishment of wages although nothing was provided to me. 
I was left another voicemail on Friday XX/XX/XXXX at XXXX XXXX stating they left me several messages and i failed to respond ( which is a lie ) and my file would be forwarded requesting judgement against me. I called the company back on XX/XX/XXXX at XXXX XXXX. and was placed on hold for several minutes. I hung up and called the company back at XXXX and again advised the call is being recorded with the person that answered XXXX XXXX. I again requested a letter sent to me by email regarding what they were calling me about. I again provided an email address for her to send me a copy of a letter regarding what they were calling about. I did advise the company that I am a victim of identity theft and I was requesting a letter or something on paper showing what they are calling me about. I also asked her several times for the company 's mailing address which she refused to provide. First she said they have addresses in different counties then when I asked again she just kept asking me about settling this alleged debt. I continued to ask for an address and at this point I was placed on hold. I indicated a voice time stamp of the call while i was " on hold '' that was being recorded and immediately a gentleman picked up the phone and said something to the effect of they were listening. It seems this company like to play games. I asked him for a copy of a letter regarding what they were calling about. He claimed that this debt has been going on for years but yet again refused to send me a letter. His response again was that they are not saying anything and I would be sued. There are multiple complaints found on the internet regarding this company 's collection practices. No proof has been made available to me so therefore these collection efforts need to stop. This company should be fined or shut down for its illegal debt collection practices. I have all these phone calls recorded, FYI.

Company response to consumer: Untimely response