BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: PA
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 # XXXXXXXX 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 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 2023-07-26
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I was mislead by Apple Mastercard aka Goldman Sachs to close my account in order to get XXXX interest as I am facing financial difficulties due to low income and XXXX XXXX. A team instructs me to close it and garentee no interest will be further charge and I will speak to a financial representative to plan an affordable monthly payment as I asked for a financial assistance program. However now they closed my account and said the team wasnt trained properly so now I find my self with penalties on my credit score with high balance credit card close and monthly high interest which I cant afford. I although I complain several times to their management nothing has done. I need to file a complaint to cut to XXXX interest for misleading and restore my credit score

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-20
Company: Experian Information Solutions Inc.
State: NC
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 is my second 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 alleged fraud or extortion XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXXXX/XX/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 2021-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Heads up : A lender reported that you opened a new account with them. 

Visit the Alerts section of XXXX from XXXX XXXX to review a recent change in your TransUnion credit report. To protect your privacy, we arent including any confidential details here. 
Sign in soonstaying on top of your credit can help you defend yourself against potential fraud or 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 explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax and XXXX. My credit scores were XXXX and XXXX respectively by credit co . I  received an erroneous report from XXXX school loans and my scored dropped more than 200 points. The error was correctef by XXXX and I have cleared 90 % of collections and my scores are still in the 500. The credit reports document that I am paying bills but score is still low.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: CT
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:
I contacted the Bureaus because their accounts was suppose to be deleted from my credit report over a year ago. When i spoke with them they were very rude and threatening court and Jail time. They violated my constitutional rights.

15 USC Section602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any6 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, INC.
State: UT
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:
Equifax how did you verify the negative accounts as accurate that the XXXX XXXX police department has determined to be closed due to fraud? The negative account should have been removed. You have ignored police reports sent to you and failed to do a 100 % accurate and complete investigation which is a major violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Trans Union continues to verify and report an account that was closed due to FRAUD. XXXX XXXX is aware of the fraud and police reports they and Trans Union abuse the laws specifically the FCBA AND TILA and FCRA ACTS the information has to be 100 % complete and accurate which it is NOT. This account continues to report on my Trans Union consumer report. Trans Union had the opportunity to have access to the police reports which are valid legal affidavits. This is a A WILLFUL AND DIRECT crime to continue to report this account on 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 2023-07-16
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Subject : Follow-Up on Complaint # XXXX Dear XXXX XXXX XXXX I hope this letter finds you well. I am writing to follow up on my Consumer Financial Protection Bureau complaint # XXXX, which was submitted on [ Date of Initial Complaint ]. As of today 's date, it has been over 60 days since I filed the complaint, and I regret to inform you that I have not received a response from Equifax regarding the credit inquiries that are adversely affecting my day-to-day life. 

I have previously lodged multiple complaints with Equifax concerning these credit inquiries, and yet, there has been no response or action taken to address this matter. The fraudulent nature of these inquiries is evident, as I do not recognize them and have not authorized any such activities on my credit profile. I have provided detailed explanations and documentation in my previous complaints, highlighting the urgency and seriousness of this issue. 

It is disheartening to find that my pleas for resolution have fallen on deaf ears, and the lack of action from Equifax has only exacerbated the negative impact on my financial well-being. This situation is causing immense distress and hindering my ability to access essential financial services. I have been diligently working towards resolving this matter, but without cooperation from Equifax, it remains an uphill battle. 

I am once again requesting your intervention to urgently address this matter and ensure that Equifax initiates the necessary steps to rectify the fraudulent credit inquiries on my credit report. It is crucial that these inaccurate entries are removed or corrected promptly to restore the accuracy of my credit history. 

I believe in the purpose of the Consumer Financial Protection Bureau to safeguard consumers ' rights, and I am relying on your expertise and authority to help me find a resolution in this troubling situation. I am eager to put this matter behind me and move forward with confidence in my financial affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Central Portfolio Control Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX I received a debt collector called my phone and claimed to have a debt I owed on. They provided a social security number and date of birth and address and said I verified into to my account and started speaking about a medical debt. I know they arent allowed to give personal information to any third parties and need to verify it is the debtor before providing any information. I asked to speak to a manager who refused to talk to me till I provided a date of birth or last four of my social. When I told them that the date of birth and social security I was given by the representative were this, he told me I have to just say it and not that the representative told me it or he wouldnt help me and he hung up on me. This clearly shows they know it was wrong and a breach of the fdcpa and hipaa laws. I asked for a signed third party consent form signed by me and they told me they didnt have that either which indicated they are illegally holding medical information according to hipaa regulation. The compliance officer XXXX told me he had to request that info which and he defended the representative and provided all of the personal information again saying hes allowed to arrogantly. When I told him that personal information is enough to verify into a bank online and he is putting peoples identities at risk he arrogantly mocked me and told me I need a better bank. He also said hed block me from calling in at all after I told him Id call and escalate this. They refused to provide me their address and blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 2023-07-15
Company: EQUIFAX, INC.
State: KY
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 is my several 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 XXXX, KY XXXX, XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$4200.00}, ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$220.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RECEIVABLES PERFORMANCE is reporting a negative unverified account on my credit report. RECEIVABLES PERFORMANCE failed to respond to my debt validation letter sent on XX/XX/2020. ( please see attachment ).

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 2023-10-08
Company: Neighborhoods United, LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
In XXXX, we took out a HELOC interest only loan. In XXXX, we modified our mortgage through a government mortgage program which we were told included our HELOC and both loans were combined. We worked hard and paid off the mortgage and we have the deed clear and free. In XXXX ( 11 years later ) we received paperwork stating we were being sued from a company called XXXX XXXX XXXX XXXX XXXX stating we owed the HELOC plus XXXX  years of interest. We retained an attorney and the attorney stated that companies are holding onto loans for up 30 years later, finding loopholes, stating the date doesnt begin until the party is contacted. The XXXX XXXX XXXX, XXXX XXXX, initially ruled in our favor, and then changed his mind. Currently, we are appealing the decision, but I am hopeful your department can provide guidance on XXXX and time-barred mortgages. 

We are now seniors with limited income, and I read the Ohio law and I dont understand how companies can sue individuals on a time-barred loans in the state of Ohio. We need clarity and assistance from your department.

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 2023-07-16
Company: EQUIFAX, INC.
State: CT
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:
I contacted the company numerous times and I haven't gotten any response. They are violating my right. I never had any services from this company.

15 USC Section602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any6 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: NC
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX AV XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; EQUIFAX XXXX  XXXX  XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been on social security XXXX since XX/XX/XXXX I'm a victim of covert harassment and organized stalking since day one going on social security XXXX. Im followed everywhere By alleged neighbors, strangers etc Our corrupt government and the corrupt FBI agents have also made it look like I'm a victim of identity theft. They keep adding bogus information and bogus accounts. I have been documenting this for three years now I have XXXX and XXXX and was illegally implanted in XXXX with stentrode implants for XXXX You can XXXX it So they have done everything that they can to ruin my life in every way possible and I believe this is also part of their doing All my accounts are hacked All of my phone are tampered I have my Florida I.D . 
still even though I am living in XXXX Ohio Because that address is my mom 's address who I lived with for long time And still go there and receive mail there when I need to Now im having problems with capital one I have been a customer with them since XX/XX/XXXX And i have my XXXX bank account linked to pay my account. 

On XX/XX/XXXX i applied for another credit card with them i have been drastically trying to rebuild my credit, since its been destroyed. 
About week or two later i received letter from capital one requesting documents so they could continue processing my application. 
I then got the documents they asked for and went online, and faxed them. 

On XX/XX/XXXX Is, when i faxed the documents to capital one customer care team. To XXXX XXXX XXXX at XXXX XXXX  eastern 1 cover sheet 1 page attached documents Then faxed again XXXX XXXX  eastern XX/XX/XXXX Received email From capital one At XXXX XXXX  Saying congratulations Your approved for XXXX $ I received my credit card Activated it Linked it to my other capital one account and my XXXX bank account And then received letter saying they froze my account For concerns around potential fraud. 

I have faxed my documents again and, again They are saying they never received them Including the very 1st time i sent them So they can process my application So now im contacting you Like penfed But this time im not waiting 8 months

Company response to consumer: Closed with explanation