BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 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 2023-08-07
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and XXXX of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Credit Bureau reported a XXXX XXXX XXXX XXXX XXXX off Account on my credit report, as it appears to be in violation of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( NPI ). 

Per the GLBA, NPI includes any information provided by an individual to obtain a financial product or service, such as name, address, income, Social Security number, or other application-related details. Financial institutions are required to provide an initial notice to customers at the establishment of the relationship and an annual notice thereafter. 

It has come to my attention that the charge-off on my credit report is inconsistent with the GLBA 's requirements, as I have not received the necessary notices and information regarding the handling of my NPI. Specifically, I have not been provided with an initial notice at the establishment of the customer relationship or an annual notice thereafter, as mandated by the GLBA Moreover, if my NPI has been shared with nonaffiliated third parties, I have not been given the requisite opt-out notice, a reasonable way to opt out, and a reasonable amount of time to exercise my right to opt out before any disclosure. This lack of compliance raises serious concerns about the handling of my financial information. 

I kindly request a thorough investigation into this matter, and I expect the immediate removal of the charge-off from my credit report if it is found to be in violation of the GLBA. Failure to do so may result in penalties outlined in the GLBA, including fines and potential legal action. 

I anticipate your prompt attention to this matter and a written response detailing the steps taken to rectify the situation and ensure compliance with the GLBA.

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 2022-08-09
Company: Experian Information Solutions Inc.
State: PA
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:
Every single month i am here to get my personal information corrected or inaccurate information removed with this company! I have told them several times what my information should read. You continue to add information that is not mine to my report. 
The ONLY RESIDENTS THAT SHOULD REPORT ON MY REPORT IS XXXX XXXX XXXX XXXX PA XXXX. I NEVER LIVED AT THE 2 LISTED ADDRESSES YOU HAVE ON MY CREDIT REPORT. WHY DO YOU CONTINUE TO PUT THIS ON HERE! 

I AM TELLING YOU TO REMOVE THOSE ADDRESSES AT ONCE! 
IM GETTING EXTREMELY SICK AND TIRED OF THIS! 

Match the information that has been provided and corrected by the other credit bureaus

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 2021-02-12
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : AMERICAN EXPRESS Accounts # XXXX I am writing you to inform you that under the F.C.R.A Law American Express failed to notify me at least 5 business days before they reported negative items/late payments on my credit reports for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. By F.C.R.A law whenever a creditor decides to put a negative account on your credit report they have to notify you at least 5 business days before and they failed to do so. American Express failed to follow the F.C.R.A regulations on when they are reporting negative items on my credit report. They have to be compliant, accurate and specific at all times when they decide to put any negative accounts on my credit reports. Under the F.C.R.A Law they failed to provide these notices to me. A failure to notify is a failure to report accurately and also a failure to comply. 
Because they failed to notify me, it is an obligation to remove these items, its not a dispute in this, its a fact under the F.C.R.A Law and these negative items/ late payments must be removed. Also under the F.C.B.A they failed to provide me with an accurate and up to date balance the months they reported these negative items. How do I make sure that the balance wasnt modified or misrepresented at that time causing these accounts to be late?? In reference to this I would like to see up to date balances from those specific months and how it was justified to be late. How can I be sure that my account was late at those times or if this was a calculations error? I dont have the details, so Im asking for whatever evidence or documentation that they have under compliance!! these negative items/ late payments must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NY
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. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
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 is missing that should be on the report

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$8700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 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 2023-11-07
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: NC
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:
In XXXX of XXXX, by means of U.S. mail, I requested a security freeze with Equifax on my credit report. Equifax confirmed my request for credit freeze via a letter on XX/XX/XXXX and XX/XX/XXXX. In the XX/XX/XXXX letter from Equifax I was provided instructions and a personal PIN for use to " un-freeze '' my credit report with Equifax. 
On XX/XX/XXXX I attempted to " un-freeze '' my Equifax credit report for a 24 period via a telephone conversation with and Equifax Customer Service representative. During this phone call I was advised that the personal PIN process is no longer in effect, and I should create and utilize a " My Equifax '' online account. 
Despite repeated attempts and numerous phone calls with Equifax Customer Service representatives, I have not been able to successfully access " My Equifax '' online account. Additionally, when I contact Equifax Customer Service via the telephone I am repeatedly disconnected. I would estimate that I have made at least six phone calls to Equifax Customer Service on XX/XX/XXXX and XX/XX/XXXX being disconnected each time. Additionally, I have spent at least four hours on the phone either speaking to Equifax Customer Service representatives or being placed on hold before the phone becomes disconnected during these two days.

On my last call I was informed that both the 1 ) technical issue with my inability to access " My Equifax '' account online, and 2 ) being consistently disconnected when I call Equifax 's Customer Service phone number ( XXXX ) are " technical issues '' being experienced by Equifax. 
It should be noted that I am proficient with online applications and have no problem at all accessing my XXXX and XXXX online accounts. 
My compliant can be summarized in two issues : 1 ) If Equifax desires that I manage my credit report online via " My Equifax '' then Equifax should be able to provide me access to my online account or resolve any technical issues in a timely manner, and 2 ) When I and others are being directed by Equifax online to call their Customer Service Number, then Equifax should ensure that the calls can be properly administered without being continually " cut off ''. 
Managing one 's credit is extremely important and something I take very seriously. Based on my experience Equifax is significantly jeopardizing my ability to effectively manage my credit by its inability to allow me to access " My Equifax '' account and not providing effective telephonic ability to communicate with Equifax. 
Thank you for your attention to this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  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 2021-01-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, PORTFOLIO RECOVERY Opened XX/XX/XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ( Collection agency name ) has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: AR
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 writing to you with immense frustration and concern regarding my repeated attempts to address the fraudulent items that persist on my credit report. Despite multiple efforts to dispute and rectify this issue, the fraudulent items continue to damage my financial reputation, and I insist on immediate resolution. 

I have initiated disputes for these fraudulent items on numerous occasions and yet they remain on my credit report, causing distress and limiting my access to loans, credit cards, and other financial services. I have provided comprehensive evidence to support my claims during each dispute, yet there has been little to no progress in resolving this matter. 

The presence of these fraudulent items has had a severe impact on my financial life. They have significantly lowered my credit score, making it difficult for me to access loans and credit on favorable terms. It is my right as a consumer to have an accurate and just representation of my credit history. 

I insist that you treat this matter with the utmost seriousness and urgency. I am enduring ongoing financial difficulties due to these inaccuracies, and it is essential that you take prompt action to correct the situation. I request the following : An immediate, thorough, and unbiased investigation of the fraudulent items in question.

Regular updates on the progress of the investigation.

Immediate removal of any inaccurate or unverifiable information from my credit report.

A formal, written explanation of the results of the investigation.

I trust that you will address this issue promptly and effectively. Failure to do so may lead to legal action to protect my rights as a consumer. 

Enclosed with this letter, you will find copies of the evidence I submitted during my previous dispute attempts for your reference. Please acknowledge receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Navient Solutions, LLC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation