BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX XXXX, XXXX, SC XXXX and the CORRECT Address is XXXX XXXX XXXX, XXXX XXXX GA XXXX. I am also showing an incorrect EMPLOYER of XXXX XXXX that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-04-10
Company: EQUIFAX, 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:
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. 

XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXXXXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2021-06-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX. I contacted US Bank regarding a forbearance for my mortgage. I was placed on forbearance for the month of XXXX. I was told that the payment would then be due in XXXX but if I needed further assistance to contact them XX/XX/XXXX to see what I can be approved for. I contacted them on XX/XX/XXXX just to be proactive to see if there were any other assistance options. I spoke with a representative and she told me that she would have to end my forbearance to see what I would be approved for. Before we continued the process I let her know that if this would negatively impact me that I did not need to continue with further assistance and that we would be able to make our mortgage payment by XX/XX/XXXX. The rep did not confirm nor deny that this would negatively impact even though I mentioned this twice during the call. She continued to see what I would be approved for and she offered me a payment deferral for XXXX and XXXX mortgage payments. During this process none of the disclosures mentioned how this could negatively impact my account or my credit report. I called back on XX/XX/XXXX to make sure everything was in place for the payment deferral and to make sure I was ok to not pay my mortgage that day. On XX/XX/XXXX I got a credit report update that my mortgage is 30 days late. I immediately contacted us bank  and they me I could dispute it which I did but it was not changed. I worked with US bank for a month to try to get answers and to see why I was never told that if I did a payment deferral my credit would be negatively impacted. I had multiple phone calls and nobody was able to assist me. The phone call where I stated that if this would negatively impact me was listened to but US bank stated that they still would not change the reporting. I asked for further explanation on how this could happen and the last representative I spoke with on XX/XX/XXXX refused to further explain because she said they already did. I had multiple phone calls with this company and stated I could make my mortgage payment on the XX/XX/XXXX but I was never provided the information I needed to prevent this from occurring. I also stated I could make the mortgage payment and was never told to make it to prevent negative credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 first contacted and opened a dispute with TransUnion on XX/XX/XXXX. There were 5 accounts from the Department of EDU adversely affecting my credit report. The dispute was closed on XX/XX/XXXX. I do not believe they contacted the creditor and just closed the case on a Saturday. I then called the Department of EDU on XX/XX/XXXX who told me the loans were showing with no outstanding balances and were transferred and they can't do anything about the incorrect credit reporting and to contact myeddebt.com. I contacted them and they said loans are NOT in default and should not be reporting on my credit report. I then called TransUnion and they opened another dispute on XX/XX/XXXX so I could submit proper paperwork showing the loans in good standing. I mailed the paperwork on XX/XX/XXXX as I was told their online document upload was down. The case then disappeared and TransUnion is showing no open dispute. I again contacted them on XX/XX/XXXX to which they said there was no open dispute. They were unhelpful and rude.

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 2021-12-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX XXXX, XXXX XXXX, XXXX XXXX, Chase XXXX Banking, mails Notice that a {$15.00} monthly service fee to be charged on " New '' account. 

Chase was advised on XX/XX/XXXX not to convert Business Checking account and Charge a {$15.00} Monthly Service fee on " New Account ''. Chase disregarded the customer request and charged a {$15.00} Monthly service Fee on the XX/XX/XXXX through XX/XX/XXXX statement. 

Customer call on XX/XX/XXXX to XXXX at XXXX Central Time to Chase employee XXXX XXXX requested XXXX to remove the Monthly Service Charge and to stop making any further charges to the account. XXXX removed the Charged but stated that Chase would not be able to stop the monthly charges to the Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was contacted today by a representative with First National Collection Bureau regarding a XXXX XXXX XXXX I asked the representative if they could provide information via mail for me to review. They representative also asked me while on the call if I was related to or knew another individual as they had a file for them as well and had my number listed for them. I dont believe that they should be disclosing that information about some elses debts and also asking me if I know them or if I am related if that has nothing to do with the reason why they are calling me. That made me very uncomfortable because they could be sharing your information with other people and that is not maintaining any privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
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:
About 5 years ago my personal information was compromised and my identity was stolen. Over the passed few years I have noticed inquiries on my credit that I did not authorize and had no prior knowledge of, Sometimes it was accounts ( cable, phone, utilities ) most were easy to prove fraud. 
Beginning in XXXX I saw these instances become more frequent for a while it was over 30 per week. Whenever I learned of these I would contact the companies extending credit and notify them of the fraud. 
In XXXX I began to notice many apartments showing up, many of which were actually signed leases in my name and some were just applications. A lot had utilities connected in my name as well. 
Last year, I learned a XXXX person named XXXX XXXX was arrested in XXXX FL for fraud and counterfeit charges I contacted the apartments and learned he was claiming to be me and had an apartment in my name that was in default, he was giving the office fake checks to pay rent and was thousands of dollars in debt in my name. 
I have police reports and FTC filing but can get nowhere with the bureaus, collection agencies or creditors. 
I need assistance getting my life. Back. 
The companies are : -XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX {$4600.00} 2 ) XXXX  XXXX XXXX XX/XX/XXXX {$270.00} 3 ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$370.00} 4 ) XXXX XXXX XX/XX/XXXX {$320.00} 5 ) XXXX  XXXX XXXX XX/XX/XXXX {$100.00} - XXXX XXXX XXXX  1 ) XXXX XXXX  XXXX XX/XX/XXXX {$3300.00} - XXXX  XXXX XXXX XXXX 1 ) XXXX  XXXX XXXX XXXX XX/XX/XXXX {$4700.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00} -XXXX XXXX  XXXX XX/XX/XXXX {$160.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX {$450.00} XXXX XXXX  XX/XX/XXXX {$300.00} These are the ones currently showing. Some of these have part my correct info and some inconsistent. I need help reclaiming my life. I have statements, FTC Filing and police reports but I cant get the bureaus, agencies or creditors to help me. 

Can you assist me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRUIST FINANCIAL CORPORATION
State: TX
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:
In full attempt retaliate my prior complaint against REGIONAL ACCEPTANCE CORPORATION I attempted to make my payment on XX/XX/XXXX ; my prior payment methods using bank account and debit cards have been blocked by RAC. I notified the ASSISTANT VP XXXX on XX/XX/XXXX ; immediately my account was listed as 30 days late on XX/XX/XXXX ; it was 1 day past the due date In the meantime I was sent an extension reqyfor another consumer, XXXX XXXX. I is very clear this company likely has an extension history of incompetence and retaliation. What are my rights to be financially compensated for retaliation for a previous complaint? What are the consumer rights to be protected against retaliation by a company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Bayside Capital Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I was contacted by XXXX XXXX with XXXX XXXX XXXX from a phone number in XXXX. He shared that I was going to be sued and my employer would be contacted to verify my wages and I would have my wages garnished and could lose my job if my employer found out. He also stated that the attorney would be serving me documents to appear in court and as I was defrauding the bank. I advised that I had not received any communication in the mail and he said that they had several addresses on file for me and that may be why. He continued to threaten me with taking legal action against me, contacting my employer, garnishing my wages, and taking me to court, and that I would be served by a sherif or legal authorities. Today I was contacted by a representative from Bayside regarding a payment arrangement. When I asked why I was contacted by a different company yesterday, she stated they were a processor. This is very confusing and they are using different company names and titles. On XX/XX/XXXX they told me they were suing me and that they would be taking to an attorney to see if they could handle my case again or if it has been sent to court. They are providing misleading information.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-31
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent in FTC ID theft report and XXXX responded with them stating that the dispute wasn't sent by me. They never responded to the identity theft, please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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: Investigation took more than 30 days

Complaint:
How are you doing this is XXXX XXXX ; I sent out letters on XX/XX/2023 ; The letters went out to XXXX, XXXX, Equifax. However, it's been more than 30 days and the credit bureaus failed to send my investigation break. This is not making any sense. 

According to the law 15 U.S. Code 1681i -Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  Account # XXXX ***** XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I previously reported the loan servicing for not doing what theyre supposed to do on my credit report however, they want to claim that the debt or balance is still there. However, these loans have been discharged. There is no more debt or balance to be owed and XXXX XXXX keeps fraudulently reporting. They need to fix this issue or they will be litigation. This is not going to continue and I will not continue to be financially harms by XXXX XXXX for them not doing what theyre supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: BOK FINANCIAL CORP
State: OK
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:
on XX/XX/15 my phone was stolen out of my car while asleep and used fraudulently.the thief went on my XXXX XXXX ( that did have a pin # ) & requested a new pin so a verification was sent to my email which they also had access to & changed pin # and cleaned my XXXX XXXX & bank acct out in 12 withdrawals back ti back leaving my accts- {$220.00} & {$490.00} taking a total of {$2400.00}. I Filed police report ( case # XXXX ) & gave bank.i have had this acct for a while now never been overdrawn & has had at least {$3000.00} at any given time. the bank manager was extremely rude and was not helpful at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: LEXISNEXIS
State: WI
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:
in XX/XX/2022 I reached out to lexis nexis to remove information on my national credit file with lexis nexis I recieved letters indicating accounts were removed attached I have highlighted what accounts I want removed seeing that they are XXXX XXXX XXXX and too old to be on my credit file

Company response to consumer: Closed with non-monetary relief