BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-06
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my extreme frustration and disappointment regarding the unresolved dispute of inaccurate late payment accounts on my credit report. Despite my repeated attempts to rectify this matter, the inaccuracies persist, staining my credit report and causing substantial harm to my financial standing. 
Account Information : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am appalled by the prolonged and seemingly ineffective resolution process regarding my dispute. It has been years already since I initially raised the issue, and there has been no satisfactory progress or resolution. 
I previously escalated this dispute, as indicated in my earlier communications with your bureau. However, the length of time without any resolution is unacceptable. I demand an explanation for the extended delay in resolving this matter and an update on the status of the escalated dispute. I question the thoroughness of your bureau 's investigation process and demand a detailed account of the steps taken to verify the accuracy of the reported late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: MA
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:
Im having issues with my identity. Ive been a victim of id theft for a while and im trying to stop this. Im not being able to work due to my information ( Name, SS, address, D.O.B. ) not matching E-verify ( DHS ) system or SSA. Ive gone to SSA, IRS etc. and have had to apply for a new card and full name, address correction. Althought when i try to have the same done to my credit bureaus accounts after multiple disputes, it always looks like the info is never corrected. They keep my name but it is not my full name. This is the reason why i keep having identity screening issues. Ive lost all my jobs due to this and have had financial and mental hardships as a result.I dont know what or why isnt this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: SC
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. 

I told XXXX, XXXX, and Equifax to reinvestigate the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have violated my rights. 

They stated that everything was correct and accurate. 
This is not possible as there are multiple discrepancies with each account. Some of these accounts were paid in full. Some were opened and closed on improper dates. Missed payments that were not missed, etc. 
Illegally shared payment history and personal information with debt buyer companies. 

I have listed all applicable laws below that these companies broke : 15 U.S.C 1681 Section 602 ( A ). States I have the right to privacy 15 U.S.C 1681 Section 604 ( A ) ( 2 ). States that a consumer reporting agency can not furnish a account without my written instructions and consent.

15 U.S.C 1681 Section ( A ) ( 5 ) States that 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. 1681 Section ( 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 2024-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried to sign in to my TransUnion account on several occasions and for some reason it lets me log in but wont let me get into my account

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 2023-12-10
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
There has been issues with our mortgage company paying things for our escrow account that they shouldn't have like our XXXX  XXXX  insurance policy and paying other insurance policies without our consent. However, this is not my main concern. Our escrow account was in a deficit until XX/XX/2023, we paid it off and it was positive. At the beginning of XX/XX/2023, we notified them of our property tax exemption. On XX/XX/XXXX, Cross Country Mortgage advanced funds for our personal insurance for the amount of {$2200.00}. Upon doing this federal law states that they are required to conduct an escrow analysis before recouping the funds, this was not done. Cross Country Mortgage continues to charge us {$1000.00} a month, even though the escrow account is paid off again and positive {$1500.00}, with no other items to be paid. They are charging us more than XXXX of our annual escrow payment and are holding more than XXXX of a cushion. It is against the law for them to do so. They refuse to do anything and continue to charge us late fees and inspection fees because I am now refusing to pay them the {$1000.00} extra for the escrow account which is not owed and illegal for them to collect. We have contacted Cross Country Mortgage numerous times and all employees refuse to do anything, they deny all violations, and continue to charge us, until they decide to do an annual escrow analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX 2023 i logged into my online banking and saw many fraudulent charges on my account, so I proceed to close the card trought the online banking and then I proceed to dispute the charges CASE XXXXThe system didnt allow to include all the transactions on the claim, so after the claim was submited I sent an email with a letter with all fraudulent charges, until now I dont see all the provitional credit for all the transactions listed on the email. 
The transfer act, regulation E and Z allows customer to report fraudulent charges by phone, in person or by letter. 
I tried to call the bank several times and nobody answer, I cant wait more than 30-45 minutes. 
Please proceed how was instructed, atached goes the letter sent

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 2023-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Hello my name is XXXX XXXX, I was issued this card two years ago. I am in college currently pursuing my XXXX XXXX. A year and a half ago i ran into some issues on making payments, i have contacted the company to resolve some issues with payments and they refused to assist. I am writing this report to tell my story about how i was treated by multiple agents at capital one. I have been a loyal customer since the card was issued. I am disgusted by the way capital one handled the situation. No negotiations was made including lowering fees, lower interest rate, lower monthly payments or postpone payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-10
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
XX/XX/ RE : CFPB Response Account # XXXX Dear Westlake Portfolio Management, I am reaching out to revisit the dispute I filed on XX/XX/, regarding the inaccurate reporting and validation of information by Westlake Portfolio on my credit report. In accordance with FCRA Section 609, I am exercising my right to request details about any item listed on my consumer credit report.

As specified in Section 609, I am seeking verification and validation of all data associated with this account, including notations, dates, and balances, whether reported or not. 
Additionally, I am requesting access to the original credit application, documentation related to the vehicle in question, and the signed contract containing my signature from Westlake Portfolio Management. 
I request a reinvestigation of this disputed information, and I urge the removal of this account from my credit report with all three bureaus at the earliest. The relevant details for your reference are as follows : 1. Account Information : - Creditor : Westlake Portfolio Management - Account Number : XXXX - Date of Repossession : XX/XX/ - Current Status : The account is inaccurately reported with a negative history and active payments. 
I ask that you initiate a prompt investigation into this matter and ensure that Westlake Portfolio Management rectifies this account on my credit report as per FCRA guidelines. 
Additionally, I request regular updates on the progress and resolution of this investigation. 
For any further information or documentation needed to facilitate your investigation, please feel free to contact me at XXXX or via email at XXXX. 
I appreciate your attention to this matter and your commitment to adhering to the fair credit reporting standards established by the FCRA. I anticipate a swift resolution of this issue and the restoration of accurate reporting on my credit profile. 
Thank you for your assistance. 
Sincerely, 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 2023-11-05
Company: Experian Information Solutions Inc.
State: MI
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 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 ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: FISERV INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I got a couple of transactions on my credit card right after I got my paycheck I can give you the exact amount around {$400.00} later if you would like to ask but anyways a couple of transactions were not from me on my credit card I filed a dispute the exact next morning and when I filed I filed through email and about 7 Days later I called and they said that my dispute was denied so that is when I filed for another dispute form and explained everything to them and gave them transactions when I sent it through email it also got denied so the third time me doing it I printed out my activity for all my transactions all of them through my account predator and I wrote by hand to Page letter of everything that was unauthorized on my account every penny that was unauthorized I also circled all of the unauthorized transactions just so I can point out that I have never used the transaction multiple times like they are claiming that I did I did not get information from them because I went and did my own information gathering and printed out my own activity log for all my purchases and just yesterday I got a form which is my third form for being denied but this form said that they credited my account {$6.00} which doesn't make any sense because when I looked up the XXXX it told me that I made this transaction on the XXXX but the unauthorized transactions happened on the XXXX and the transaction they refunded me for had nothing to do at all with what I disputed it had nothing to do with it so I'm not understanding why they would grant me the money for that I feel like they didn't even take my case to actually look at it when I detail it explained it to them on the third try wrote by hand the two Page letter I circled the transactions that were unauthorized explain to them when I looked up the people that used my credit card unauthorized I was very detailed about it and I was very quick so I can try to get in that XXXX period or 30 day I'm not sure how long that is but I did everything and wrote down everything I could and I still was denied or I would say credited XXXX in my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: NV
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 received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief