BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am not sure of dates but the amounts are ridiculous and the hard and soft credit inquiries arent accurate either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: TX
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 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$22000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6600.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of 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 2023-06-20
Company: Self Financial Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : SBNASELFLNDR Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account stating : ''The current payment status of 60 Delinq is incorrect because the balance due on this account is {$0.00}. Please remove all late payments and negative reporting or delete the account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: FinCo Services Inc DBA Current
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am being denied access to my funds by Current bank. It says my account is under review for security reasons. I have contacted Current twice now and have been told I would receive an email about the issue. I have not received any emails as of yet. When you call customer service they refuse to give you any information or let you speak to the department that handles these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
First of all I been banking with chase for over XXXX XXXX  and never had an issue I lost my wallet in XXXX and charges were made to my account that were authorized. I later found my card at home but my wallet was still missing I sent documents giving my location and time during the time of the transactions and still my information was denied. I told them my card was probably duplicated or information got taken from me. Also through the whole process has been very stressful as iam unable to fully get any help.. Iam currently waiting for the status of a police report.the uploads are pictures of me at work the same day those transactions took place .. its impossible to be at two places at once I was at work at the time and they still refuse to believe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
After viewing my credit report I noticed a few details that are in correct on my Transunion credit report. I requested for my credit to be ran for an auto loan by XXXX but I did not authorize for my credit to be ran multiple times. 


XXXX XXXX XXXX ; Inquiry date XX/XX/2XXXX XXXXXXXX XXXX ; Inquiry date XX/XX/20XXXX XXXXXXXX XXXX ; Inquiry date XX/XX/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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX  and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$39000.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$39000.00}

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 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 want to file a complaint on Trans Union Consumer Reporting Agency in XXXX, PA XXXX. In XX/XX/XXXX my credit score was lowered and, I was denied a mortgage loan due to the lies provided to the lender by Trans Union Credit Reporting Agency. For the past 6 & years Trans Union has been reporting incorrectly that my XXXX XXXX Visa account is an adverse account & that it was included in a XX/XX/XXXX bankruptcy. This information reported on my TU credit report regarding XXXX XXXX is false! 

My First dispute letter to Trans Union regarding this matter was XX/XX/XXXX, the second request was on XX/XX/XXXX. 
TU said they contacted XXXX XXXX both times and confirmed that Adverse account information was correct and it would remain on my TU credit report! THIS WAS A LIE & TRANS UNION WAS NEGLEGENT! 

The information reported on my TU credit report regarding XXXX XXXX   is false. My account with XXXX XXXX is NOT NOW, & NEVER HAS BEEN ADVERSE, but IS open and in good standing, and has been since XX/XX/XXXX. My account was NEVER closed or included in a bankruptcy in XX/XX/XXXX, because it is a SECURED ACCOUNT BACKED BY MY DEPOSIT! As a matter of record I have been over paying my XXXX XXXX accounts before the due dates since XX/XX/XXXX. 
I have spoken to XXXX XXXX on XX/XX/XXXX, ( XXXX XXXX XXXX ext XXXX ) XXXX XXXX have assured me that they NEVER AT ANY TIME REPORTED TO TRANS UNION that my account was ADVERSE OR INCLUDED IN ANY BANCKRUPTCY!

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 2023-10-24
Company: Collections Acquisition Company, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a dispute against XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX ; was told that once I did so the vendor had 14 days to respond. I was also told to wait An additional 7 days before inquiring the decision. a total of 21 days ; I called and spoke with XXXX and she tried to reach the dispute dpt but to no avail. I also called the disputes Dept right after ; No one answered but I left a very detailed message. Waited till Friday ( 48hrs later ) never got a return call; left another msg. Called again today Tuesday XX/XX/XXXX. It's been nearly 30 days and I have no update. No one answers the phone or returns messages. I have be given no correspondence. This is greatly affecting my credit score and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXXXXXX  Balance : {$39000.00} XXXX XXXX XXXX Balance : {$39000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Theyve been asked repeatedly to not contact me. They continue to leave threatening voicemails. The transcript of the most recent voicemail : XXXX Deposited a new message : " This message is only intended for a XXXX XXXX XXXX, uh this compliance XXXX XXXX XXXX and contact in regards to a pending case to be filed against you. Now, by law, you must make you aware that once case number file us XXXX is filed, it will become a matter of public records and there 'll be a order of location that'll be issued for you. Now, since I wasn't able to reach you by phone, I was instructed to contact your employer and speak to the supervisor as this. Now may look like a possible place or location due to the negligence when you're in regarding the case, XXXX XXXX, you do still have the legal right to contact the office that is process in the case. But once the case discharged from that office, all legal rights are to be forfeited over the phone number here. They do provide on the paperwork to contact. That office is XXXX and this will be in regarding the case number, file us XXXX and XXXX XXXX, you are being legally notified by telephone and you'll be located less time otherwise. Thank you. '' Click here : XXXX to listen to full voice message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Basically, in looking at all three of credit reports. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, FCRA laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

I have attempted to contact the three bureaus as well as the subagencies and the information has remained on my credit report file.

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 2021-09-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately. 
,

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 2023-08-29
Company: EQUIFAX, INC.
State: FL
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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: Didn't receive services that were advertised

Complaint:
I never received my settlement check from the Equifax XXXX XXXX XXXX. I initiated XXXX separate conversations with the XXXX at XXXX between XXXX and XXXX of XXXX, and each time I received either no response at all or a form response asking me to provide information that I had already provided. I responded to every email I received from ... XXXX  and provided all of the information that was requested, even when they simply sent me the same form several times in a row, but I never received confirmation that any correction had been made and I have still not received my settlement check. Equifax has not responded to any messages at all since XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: NC
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: MS
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/ a new hard inquiry appeared on my credit report. I have not authorized or attempted to open a credit card with XXXX XXXX XXXX XXXX. I attempted to call XXXX XXXX XXXXXXXX XXXX to inquire about the hard inquiry and they informed me that they were unable to give me any information as they did not have any records with my social security number. 
They then requested that I send a letter stating my concern to : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Along with a report with CFPB I then got ahold of Equifax with my concern of an incorrect hard inquiry that was completed without my authorization. They informed me that any concerns would also have to be mailed out to : Equifax info services XXXX XXXX XXXX XXXX XXXX Georgia XXXX Along with a report with CFPB Therefore it appears that everyone is directing me to CFPB. I am unsure of how anyone would've had my information or how I can get it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: NJ
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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