BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: GA
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 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 2023-02-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX5 U.S. Code 1681s2 - furnisher shouldnt report information that is known to be incorrect ; cost me to get denied waste money because my score is wrong 15 U.S. Code 1681 A 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system 15 U.S. Code 1681 A4 violated my right to privacy My experian has more accounts than XXXX XXXX Payment XXXX Card XXXX % XXXX XXXX Experian Payment : In pictures its doesnt add up

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: DE
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 [ XXXX ] and # 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 1581 Section 604 A Section 2 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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 writing to formally dispute and request corrections for inaccuracies in my credit report, as maintained by TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report, and as of the date of this letter, I have not received any response from them. The details of the inaccurate information and the required corrections are as follows : Account with the name " XXXX XXXX '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$12000.00} ) is not mine. I kindly request the removal of this account from my credit report. 


The account " XXXX '' ( Date Opened : XX/XX/XXXX, Balance : {$10000.00} ) requires examination due to incorrect reporting. The Balance of {$10000.00} that TransUnion reports appears to be higher than the balance I remember. Additionally, your agency has marked this account as closed, and as such, the Past Due amount should not be provided. I intend to address this issue with the creditor directly, but I request that TransUnion reports the account as disputed while I work towards a resolution. 


The account identified as " XXXX XXXX '' ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) contains inaccuracies in your reporting. The reported balance of {$390.00} is incorrect, and I believe it should be a lower amount. Furthermore, the Past Due amount should not be included, as this account is closed and charged-off. I request that you mark this account as disputed while I resolve the dispute with the creditor. Additionally, I require verification of the Date Opened, Date of Status, and Date of First Reported for this account. 


The information presented for the account " XXXX '' ( Date Opened : XX/XX/XXXX, Balance : {$9100.00} ) is also inaccurate. The original creditor on this account is a different company, " XXXX XXXX XXXX, '' than the one TransUnion indicates. The reported balance of {$9100.00} is higher than what I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency.

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 2017-06-27
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a continuous issue : Navient is claiming I have not paid my student loans in five months ; however, they cashed my previously sent checks, which cleared my account, and they did NOT apply those funds to my account. First time I called, they said they would research it. I continued to get emails stating I could go into forbearance if I was having problems paying ; but I had paid! Second time I called, they told me to print my bank statement and mail it in. I did that, highlighted where/when the checks were cashed. I continued to get the forbearance emails. Third time I called ( three weeks later ), I was told they never received the bank statement, that the address I was given was incorrect, and told me to upload it to my online account for them to review it more promptly ; and they said they would put a high priority on researching it, as well as remove it from my credit reporting, if they were in the wrong. I continued to get the forbearance emails. Fourth time I called ( two weeks later ), I was told they could not find the funds from the check and that they would put a high priority on researching it, again. I 'm trying to get my own place, and with them erroneously reporting I have not paid my bills in five months, it is impossible to find someone who will deem me reliable -- not to mention the incorrect reporting to my credit. I 'm at a loss, as I have done EVERYTHING within my power for them to make my account up to date, and they STILL have not done ANYTHING to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: BetterNOI, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or around XXXX XXXX I filed CFPB complaint XXXX. In it I outlined how I was subjected disparate treatment and housing discrimination as a result of BetterNOIs decision engine which management companies/landlords use to approve or deny an applicant for an apartment. BetterNOI responded shortly thereafter claiming the issue did not belong them, despite it being BetterNOI proprietary algorthms that tell management companies/landlords whether or not to approve an applicant as a renter. The original complaint is attached, as is a copy of the complaint I have just filed with DOJ for XXXX and XXXX  discrimination.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I been sending Transunion disputes the last XXXX months about a false bankruptcy on my credit report. However, they are not properly investigating because XXXX and XXXX are not reporting this false bankruptcy. I even contacted XXXX and they also have no record of it. Transunion is clearly violating my right to have an accurate 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 2018-10-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My dad passed away in XX/XX/2017. There is a beneficiary deed on file that names my XXXX brothers and myself ; we have since transferred ownership with the city assessors office to our name. The mortgage company has been faxed & emailed this documentation four times now over the last 4 months. They continue to ignore our requests or make the process simple to finalize the Successor In Interest. I have escalated the complaint to the supervisors and continue to receive zero response. It's almost as if they are trying to force us into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
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 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 non-monetary relief
Consumer complaint received 2017-05-16
Company: Brelvis Consulting, LLC
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been scammed by a company called " The Student Loan Help Center '', based in Florida. This company offered to consolidate my federal student loans for a {$990.00} fee, promising that I would be eligible for loan forgiveness after consolidation through a program implemented by the Obama administration. Unfortunately, I was unaware that federal student loan consolidation i s FREE. This was the second company that offered me the same solution, so I thought it had to be  legitimate. The other company offering a similar scam is called "  XXXX   XXXX    XXXX   '', based in California. Unfortunately, I gave " The Student Loan Help Center '' {$160.00} to consolidate my student loans. When I found out it was a scam, I cancelled my loan consolidation and credit card so they can not take any more money from me. But so far, I am unable to get a refund. Every time I call I get held for hours or transferred to a voicemail. These companies need to be stopped! They are preying on burdened graduates who struggle to pay their student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
TransUnion posts m y credit score but the credit factors they use say information unavailable. How can TransUnion give me a credit score if they have no information to go by?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: WA
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX has violated my rights. Or list of inquiries XXXX 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 2022-09-29
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX and there is no third-party involved in this complaint. This complaint is about Experian and the continued furnishing of false reporting of charge-offs on my consumer report. These charge-offs are no longer being reported by XXXX or XXXX ; they have been deleted from my consumer report. I would like to make you aware that a charge off is considered income. Income CAN NOT be reported to my consumer report. I would also like to make you aware that a charge-off is not LAWFULLY defined. Experian must follow-suit and delete these fraudulent accounts from my consumer report. Please see attached documents for further information.

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 2017-05-16
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On  XXXX   XXXX  I mailed a check in the amount of {$2700.00} to  Macy 's   XXXX   XXXX  , to be paid towards my credit card balance. For  3  weeks I waited and they told me they never received it. On  XXXX   XXXX    XXXX   I called my bank and they said  Macy 's  cashed the check on  XXXX   XXXX    XXXX  . It still did not reflect on my account. So I called Macy 's to ask where my money went and they said they 'll need a form faxed from the bank to confirm payment. The bank faxed the form and I called  Macy ' s back to see if they received it. They said they 'll need to investigate and it could take up to  2  billing cycles  ( 2 months )  to get it corrected. I severely needed this check to go through to  Macy ' s as soon as possible and now they are at fault and not taking proper measures to ensure customer satisfaction.     I JUST FILED A COMPLAINT THROUGH THE CFPB AND WAITED AND WAITED UNTIL I FINALLY HEAR BACK FROM  MACY ' S AND THE CFPB REFERENCED THE WRONG ACCOUNT!!!! MY ACCOUNT NUMBER ENDS IN  XXXX .     NOT  XXXX !!     CORREC T MACY  'S ACCT NUMBER -  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 2022-12-13
Company: EQUIFAX, INC.
State: MS
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:
Under the fair credit reporting act i want to know the name of the person, their title and contact information that verified the information as being mine. If you cant provide this within 15 days the accounts are to be removed immediately. If this continues i will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: CBC Companies, Inc.
State: GA
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 recently check my credit for accuracy and to my surprises there were a number of accounts reporting in my name, credit accounts that where not mine and I didn't have any knowledge of, this is when I realize that I have been breached and my identity stolen, immediately I started to investigating in what steps I should take to mitigate the damage in my credit, I found out that a report with the FTC and a police report had to be filed. So I'd like to ask for you help to resolve this issue and restore my credit reputation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: FL
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.

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 2021-12-04
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been a issue that ive address multiple times. looking at all the data submitted all data is reporting illegally an fraudulent to my credit report. pleas review an remove the listed items to help clear my credit report asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
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: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: OneMain Finance Corporation
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX has Called before XXXX and after XXXX sometimes 3 or 5 a day. I have been threatened that the account would go into collections and my vehicles would be repossessed.

Company response to consumer: Closed with explanation