BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: TN
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:
There are unknown unauthorized addresses and inquiries I did not authorize coming from Experian consumer report. Please block and delete the following information : XXXX XXXX XXXX XXXX  Resident Verify XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.I never gave my expressed, written consent for this consumer reporting agency to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: FL
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 have a XXXX XXXXXXXX credit card showing on my credit report that was closed due to fraud charges. I was never issued a new card and the account was closed completely. XXXX XXXXXXXX is now reporting a balance on the closed account when it should show {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: OH
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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a auto loan with XXXX financial, XXXX without any knowledge to me sold the debt to Jeffeeson capital for {$9200.00}. I was never contacted by Jefferson capital by phone, mail or any other means. I called XXXX because i totaled the car. They advised me that i needed to contact jeffeeaon capital So when i did i was told that ibowe the in excess of XXXX more that the car was every worth i ask forba brake down of the charges and was hung up on i called back for clarification asked for a manager and was told no one was available. I contacted XXXX against because i know i didn't owe them this amount when it was explained that they sold the the debt only for whatbwas owed XXXX not XXXX what Jefferson capital is trying to collect from me without explanation!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: NY
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act U S DEPT OF EDXXXX Account 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 2018-10-17
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:
Send out 2 letters asking for Accuracy of account!!!! Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) (  A ) ( a consumer contract with my signature on it ) but never receive any information verifying this account belongs to me, but company still refuse to comply with Fair Credit Report Act. by continuously reporting this account to my credit report. 

LETTER SEND OUT TWICE NO ORIGINAL CONTRACT WITH SIGNATURE RECEIVE YET ALL ACCOUNT LISTED BELOW According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you  are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately. 

Name of Account Account Number XXXX XXXX # XXXX XXXX / XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt assistance in this matter. 
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 explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX You are in Direct Violation of The Fair Credit Reporting Act : XXXX XXXX XXXX/ Account number XXXX XXXX XXXX/ Account number XXXX 15 U.S.C 1681 section 602 A. Clearly states that I have a 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act U S DEPT OF ED/XXXX  Account 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 non-monetary relief
Consumer complaint received 2019-09-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have suddenly had an alleged medical debt posted to my credit reports with no notification. I have not been properly notified, and asked that the alleged debt be substantiated, and it has not been. My FCRA rights have been violated, because I was never notified of this alleged debt, or given a chance to dispute it. I also believe my HIPAA rights gave been violated by posting medical information to my credit reports, which is a public document. I dispute this information and feel my HIPAA and FCRA rights have both been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRUIST FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A mobile deposit was made on XX/XX/2018 into my Suntrust checking account, now Truist Bank, the amount of {$4200.00}, a close out check from XXXX XXXX. I called Suntrust on XX/XX/2018 inquiring about funds availability, the rep released funds that day, making full or half amount available, I do not have exact amount available to me due to length of time since account closed in 2018. I later learned XXXX XXXX placed a stop payment on check prematurely, without my knowledge. The account became overdrawn due to stop payment, funds had been spent, the amount Suntrust claims I owe is {$3400.00}. XXXX XXXX has not reimbursed for funds owed to date, separate CFPB complaints filed in re, unresolved to date. A prior CFPB complaint filed against Truist Bank as well.. I believe Suntrust reps made an error at the time in releasing funds without verifying them first. I suspect they will refer to their funds availability policy which I am not familiar with, it has been over three years since account closed. I also suspect they will claim it is their discretion to make funds available or not, however, the CFPB might want to look into this as Suntrust is apparently reporting the account to consumer reporting agencies as well as several collection agencies. Most recently, XXXX XXXX XXXX sent me a debt collection letter in re, referred account back to Suntrust after complaint filed with CFPB. XXXX XXXX is the third collection agency attempting to collect on this debt, maybe not the last.

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 2023-12-06
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My loan was assumed from XXXX XXXX XXXX by NewRez in December of 2022. I was on bi-weekly and had never missed a payment and was building great equity. NewRez states they we're unable to transfer my payment from XXXX XXXX XXXX. I lost autopay and fell behind, all while they made it my fault. They've also made the process to install bi-weekly payments incredibly difficult - my loan that I had agreed to was on a very easy, very simple to setup biweekly payment program. NewRez has been nothing but predatory and difficult to work with in the sole purpose of lining their pockets and making it difficult for consumers to save money on their loan - as I had been! To date - I am still not on bi-weekly or even a smooth auto-pay experience and I've had nothing but issues with on-time payments, hurting my credit score & reducing the equity in my home. 

I had a near perfect payment history prior to this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: AZ
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:
currently trying to secure a home loan for my family, I have reached out to the company in XXXX to go over some things that were inaccurate on my credit. I have sent multiple letters now and have yet to receive any kind of response

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to cancel service with XXXX, I was not under a contract. THey ( XXXX ) told me I would have to pay the amount I owed still on the phone. This was fine with me. About a month later ( XX/XX/2015 ) i started getting calls from XXXX, stating that I owed over {$1000.00} dollars due to early termination of my contract. I went to the store to ask them to show me the contract that i signed, but they could not show me one ( because one doesnt exist ) Now 3 years later im getting collection calls for {$1300.00} from XXXX. I reached out to XXXX repetitively to try and get this solved with no luck. I tried disputing the collection with no luck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Per agent at Experian XXXX in the dispute department on XX/XX/XXXX, in order to remove the security freeze he provided the email XXXX. 
On XX/XX/XXXX, XXXX XXXX, from XXXX XXXX, redirected me to dispute center.

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 2022-12-08
Company: Experian Information Solutions Inc.
State: MD
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:
This company keeps lying about a bankruptcy on my credit report they stated that a data furnisher is verifying that this info is correct for one i have a letter from the court telling me that they dont offer such information and that they have not been in contact with experian, experian is using third party vendors or using the name XXXX  still who is not me and coming up with this info its not on my XXXX  or my XXXX  report this hinder me and stopping me from applying for credit im going to sue regardless at this point they keep sending me the same response theres no one that can verfiy or publish inaccurate info to my credit report this is completely wrong and against fcra i will be filing a complaint with the owner and the 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 2021-07-29
Company: EQUIFAX, INC.
State: VA
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:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Experian Information Solutions Inc.
State: AR
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:
I received a notification from XXXX XXXX that I got a inquiry from some place I am not familiar with. I then reviewed everything on my XXXX XXXX and there are several accounts that had been open under my name. I believe someone has been trying to purchase something using my name for sometime because there is several accounts that do not belong to me. I have taken action to prevent anyone from opening anything else under my name. Please remove all these fraudulent accounts from my credit report. 

XXXX XXXX XXXX {$510.00} XXXX XXXXXXXX XXXX XXXX {$450.00}

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 2023-09-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
incorrect information on my credit report XXXX XXXX, experian for my name and address. 

my name is XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, marlyland 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 2023-07-26
Company: American Credit Acceptance, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I just contacted XXXX XXXX XXXX to obtain a loan for a new ( used ) car. My credit score and situation is because of intentionally delayed unemployment spanning over the last 5 years that destroyed my credit. I was approved for the loan Reference # : XXXX through several banks under American Credit Acceptance . But I am being told I have to put down {$1000.00} in order to go ahead with the loan as a form of collateral. I don't have {$1000.00}! And I should not have to put down {$1000.00} in order to get the loan. To top it all off, they wanted to give me a XXXX XXXX interest rate, which is ridiculous. That interest rate is because of my governments negligence of processing anything in a timely manner. And I shouldn't have to sue them to get anything out of it. 

I'm a single female, making roughly {$66000.00} a year and they are requesting either a {$1000.00} down or a co-signer. I should not have to do that! 

That is discrimination! I have the means to pay the payments myself. I'm in this situation because of my government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: DC
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:
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.

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 explanation
Consumer complaint received 2021-05-03
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Due to pandemic and me going into XXXX XXXX currently on XXXX I was know longer able to afford payments on vehicle I had never been late with car payment once the pandemic hit and I became unemployed got sick and XXXX XXXX I ask bb & t can I surrender vehicle they stated if thats what I want to do. As I patiently pray for recovery of my XXXX XXXX and wait for a vaccine I have not been back to work once things turn around for me I would like to move forward in life I dont want any setbacks due to the blemish of charge off attached to my credit file I did not ask for this hardship and was a responsible consumer I would like the issue to be rectified. Thank you

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