BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: IA
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 route credit reporting act 15 USC 1681 section 602 a states there is a need to ensure that consumer reporting agencies exercise the grave responsibilities with fairness and impartiality, and the respect for consumers rights to privacy. Equifax and XXXX are consumer reporting agency and I am a consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states it is the policy of the Congress, that each financial institution has an affirmative and continuing obligation to respect the privacy of customers to protect the security and confidentialities of those customers nonpublic personal information XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general subject to subsection see any consumer reporting agency may furniture consumer report under the following circumstances, and no other : in accordance with the written instructions of the consumer, to whom it relates XXXX XXXX the financial institution, and the consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information, and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXXXXXX XXXX whether it be verbal nonverbal written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that a financial institution, may not disclose nonpublic personal information to nonaffiliated third parties, unless the consumers, giving an explanation of how the consumer can exercise that non-disclosure option XXXX XXXX Never informed me of my right to exercise. My non-disclosure option. Not only that 15 USC 1681C. ( a ) ( 5 ) states except as authorized under subsection be no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years this account is an adverse item. They are reporting again without my permission, and it is against the law. 15 US code 1681 S-2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer reporting agency is the person knows or has reasonable cost to believe the information is inaccurate 15 US code 1681 E. states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of this section 1681C of this title, and to limit the furnishings of the consumer reports to the purposes listed under section 1681B of this title Equifax and XXXX are not mean tanning reasonable procedures. also 12, CFR 1016.7 states that a consumer may exercise the right to opt out at any time. I am opting out of their reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: SC
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX  Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX Balance : {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
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:
There are multiple inquiries on my Credit Report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
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: Account status incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: AL
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2023-10-09
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 a dispute was filed on my behalf by XXXX XXXX for a XXXX XXXX ( XXXX ) TRANSUNION is reporting on my credit report. As of XX/XX/2023 I have yet to receive any results of my dispute. According to the FCRA, credit bureaus have 30 days to respond to a consumer 's dispute or the account should be DELETED. It has been 50 days with no response from TRANSUNION, which places them in violation of 15 USC 1681 ( i ). The only remedy for this matter is for TRANSUNION to delete this XXXX XXXX ( XXXX ) immediately. I intend on holding TRANSUNION liable for any undue financial hardship I've suffered by there negligence of the law and violation of my rights unless this DELETE this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
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:
please CC all companies you are finding below THAT ARE HIGHLIGHTED. XXXX XXXX XXXX CC : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : SOS OF FLORIDA. This notice is to inform you that someone unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile.. The purpose of this letter is to dispute the validity of the debt being claimed under the XXXX XXXX XXXX XXXX ( XXXX XXXX ). I strongly believe that this alleged debt is in direct violation of the XXXX XXXX XXXX XXXX, which prohibits any form of debt bondage or involuntary servitude arising from human trafficking. I am a victim of XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I MADE A HOTEL BOOKING AT THE XXXX XXXX XXXX VIA XXXX ON XX/XX/XXXX FOR XX/XX/XXXX AND ON XX/XX/XXXX TRIED TO CANCEL THE RESERVATION BECAUSE THE VISA WAS DENIED. XXXX TRIED TO REASON WITH THE HOTEL BUT THE HOTEL CHARGED MY CARD. I TRIED SPEAKING WITH THE MANAGEMENT BUT THEY WILL NOT REVERSE THE CHARGES. I DISPUTED WITH MY BANK ( BANK OF AMERICA ) HOPING FOR A SENSIBLE RESOLUTION BUT THE BANK IS TAKING SIDES WITH THE HOTEL. I MADE A DISPUTE FOR THE CHARGES ON XX/XX/XXXX AND ON NOT GETTING ANY KIND OF LETTER I CALLED THE BANK ON XX/XX/XXXX ONLY TO BE INFORMED THAT NO DISPUTE WAS LOGGED. I THEN TOLD THE AGENT THAT IT WAS NOT ACCEPTABLE THAT I HAD TO FOLLOW UP ON MY DISPUTE WHICH WAS SUPPOSED TO BE LOGGED ON THE XX/XX/XXXX WHICH WAS NOT. 
ON XX/XX/XXXX I GET A LETTER FROM BOA THAT THEY ARE UNABLE TO RESOLVE THE CHARGES STATING MERCHANTS HAVE THEIR OWN CANCELLATION POLICY AND BOA CAN NOT INTERVENE. 
I CALLED BOA ON XX/XX/XXXX TO INFORM THAT I WAS NOT HAPPY WITH THE RESOLUTION AND THAT I NEEDED MORE INFORMATION ON HOW THE ISSUE WAS INVESTIGATED AND HOW DID THEY REACH THE DECISION THAT THE MERCHANT WAS RIGHT TO CHARGE MY CARD FOR NO SERVICES PROVIDED. 
THE AGENT MS XXXX FROM TENESSEE LOCATION FAILED TO PROVIDE ME ANY INFORMATION. ON ASKING FOR A SUPERVISOR SHE TOLD ME ALL SUPERVISORS ARE BUSY AND THAT I WILL BE ABLE TO GET A CALL BACK AT XXXX. WHEN I TOLD HER THAT I AM WILLING TO HOLD THE LINE FOR ANOTHER 3.5 HRS SHE TOLD ME SHE CAN NOT PUT ME ON HOLD FOR THAT LONG. I TOLD HER THAT I WILL NOT BE ABLE TO TAKE THE CALL AT XXXX BECAUSE I WILL BE AT WORK. SHE PUT ME ON HOLD AND AFTER 20 MINUTES A SUPERVISOR BY THE NAME XXXX WHO SOUNDED UPSET WITH MY INSITANCE TO HOLD ANSWERED ME RUDELY AS TO HOW HE CAN HELP ME. ON REMINDINING HIM THAT I WAS IN CONVERSATION WITH XXXX HE THEN STATED OH ITS ABOUT THE {$690.00} DISPUTE. I TOLD HIM YES IT WAS AND ALL I WAS REQUESTING IS INFORMATION ON HOW THEY REACHED THE CONCLUSION THAT THE HOTEL IS RIGHT IN CHARGING MY CARD FOR NO SERVICES PROVIDED. XXXX STARTED ARGUEING WITH ME AND GAVE ME THE SAME ONE SENTENCE ANSWER I GOT IN THE LETTER. ON BEING TOLD THAT I WILL NOT STOP DISPUTING THIS CHARGE AND FOR THAT I NEED MORE INFORMATION AS TO WHERE DOES IT STATE ABOUT THE CANCELLATION POLICY BECUASE THE HOTEL WEBSITE DOES NOT STATE ANYWHERE ABOUT ITS CANCELLATION POLICY. HE STATED HE WILL SEND ME A LETTER IN MAIL. 
I WANTED MORE INFORMATION FROM MY BANK WHICH IT FAILED TO PROVIDE ME. 
IN VIEW OF THE ABOVE IT IS REQUESTED THAT BOA BE INVESTIGATED AND A RESOLUTION BE PROVIDED TO ME IN THIS DISPUTE BECAUSE {$690.00} IS MY ONE WEEK PAY CHEQUE. 

THANKING YOU FOR YOUR TIME AND CONSIDERATION KIND REGARDS 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 2021-05-10
Company: Upgrade, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2021, I set up a new payment plan. At that time my bill was {$8700.00}. In the mean time I recieved some money so I paid them {$1000.00}. A few days past by and I call to see why my balance has increased. The representative told me that all of that money would go to interest intrastate of the balance. I told her they were not trying to help people. I asked to speak to a supervisor, if course one was not avaliable. I have not heard from them. Now my payment is suppose to be {$230.00} for 3 months not {$590.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I would like to draw your attention to 15 U.S.C. 1681b ( a ), which states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. '' To the best of my knowledge, I have not provided any written consent or authorization for these accounts to be reported in my consumer report. This violates my rights as a consumer, as I have not granted permission for the inclusion of this information. 
I strongly assert that no consent implies identity theft or fraudulent activity. As a consumer, I am demanding the immediate deletion of the following accounts from my consumer 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 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX I would like to remind you of my rights under 15 U.S.C. 1681c-2, which states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' I have taken immediate action to address this issue by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number for the case. 
My FTC reference number is : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding unauthorized inquiries on my credit report. I have previously sent a letter to Equifax requesting the removal of these unauthorized inquiries, citing violations of the Fair Credit Reporting Act ( FCRA ). I have enclosed a copy of the letter and my FTC report as evidence. Despite my efforts to rectify this issue directly with Equifax, I have not received a satisfactory resolution. I am seeking the CFPB 's assistance in ensuring that my consumer rights under the FCRA are upheld and that these unauthorized inquiries are promptly removed from my credit report.

This paragraph succinctly outlines the issue and your previous efforts to resolve it with the credit reporting agency before seeking the CFPB 's assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XX/XX/2019 XXXX XXXX REFUSES to accurately report to Transunion regarding regarding my car loan installment account # XXXXthat was paid off on XX/XX/2019. 
I want legally reported FCRA on Transunion " PAID/pays as agreed.

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 2018-04-17
Company: Credit Card Receivables Fund Incorporated
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was an attempt to get them to remove their complaint against me on my credit report. I paid them {$510.00} on XX/XX/XXXX, I have talked with them about this, they said they never received any money from me. I emailed a copy of the transaction from my bank, to both companies involved, UNIFUND LLCXXXX XXXX XXXX XXXX XXXX, Oh XXXX, and to XXXX XXXX XXXX XXXX XXXX Subject XXXX. To this date XX/XX/XXXX, it is till on my credit report. I will attach a copy of my bank transaction to this so you can see what I'm talking about. My contact at UNIFUND LLC was XXXX XXXX, Chief Compliance Officer XXXX XXXX XXXX email XXXX, she told me they hadn't received any money and that XXXX  was the one incharge of this at XXXX XXXX. I just want it removed from my credit report as I paid it with good intentions that it would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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 don't want this on my credit history because these accounts are negative for me and are not mine. 
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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXXF-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXXC-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX  CRE-Date of inquiry XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: CT
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:
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Company response to consumer: Closed with non-monetary relief