BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I submitted a dispute to the CRA Equifax and XXXX on XX/XX/2023, I received no response from the CRA only XXXX removed my accounts. I had to call in order to get my report sent to me and yet and still the negative accounts still remain on my credit. 

This complaint details how Equifax XXXX XXXX are violating the law. 
The evidence will prove that Equifax solutions incorporated knowingly willfully violated the federal credit reporting act 605C. The evidence will show that Equifax XXXX XXXX conspired with the companies listed on my credit report to violate my consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 submitted a dispute on  XXXX  disputing some inquiries on my credit report. Transunion completed the investigation on  XXXX  and sent me the results. The problem that I have with the investigation is that they did not fully investigate my issue. When I go the results I called Transunion and asked them why did they not address all of the issues within my complaint and they told me that I had to contact the company. I told the rep that you cant pick and choose what parts of the complaint that you want to address. In accordance with the law you have to investigate and report back your findings on every item that was disputed.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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: Experian Information Solutions Inc.
State: WA
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 have already disputed the collections on my credit report I want the following deleted from my credit report the XXXX inquiries and my name is also wrong on my credit report my name is XXXX XXXX XXXX anything else is not my name nor do I authorize it on my credit report I also want to take the personal statement off my report because I'm going to be applying for loans soon within a week I need emergency funds and I'm not able to get funding because of the incorrect amount of inquiries on my report and these collections that are reporting twice from the same company XXXX XXXX XXXX XXXX  store. On my identity report that im going to be uploading on there are the accounts that aren't mines and is reporting inaccurately and my rights from the fair credit report act allows me to have any incorrect information on my report to be immediately deleted and not to be put on there ever again.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i got account an inquiries that are inaccurate and need to be removed form my report asap!

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 2023-06-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information was released to the public in the Equifax data breach years ago which caused someone to open up a lot of unauthorized accounts. I submitted all of my proper paperwork to the credit bureaus a year ago but the willfully ignored my disputes and continued to report and furnish these fraudulent accounts on my credit report. i need these removed immediatly becuase they are ruining my reputation with the banking system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be deleted. 

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 explanation
Consumer complaint received 2019-03-31
Company: EQUIFAX, INC.
State: NC
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 called the creditor which is XXXX XXXX at XXXX XXXX XXXX to pay off 2 debts off of Equifax. I was told that they were removed from there record on XX/XX/2018 and that it should've been removed off my credit report. So i put in a dispute with Equifax 3 times and each time i got a email stating that the issue has been corrected.but i cant seem to get into the right page cause i keep being told that my information isn't correct.but it is ... i know who i bought a car with..i know who i got a credit card with. Im putting in my right imfo but its not right according to equfax.maybe that got wrong information i dont know. In any case the information is still on my report and i want it off.the same information was on transunion but was deleted. I truly dont undertand the problem.please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: OH
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:
The Credit Bureaus stated my accounts XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, on all three bureaus have three different years when they start reporting about the same accounts. When the accounts where in good standings so-called late payment dates are inaccurate or missing from XXXX, XXXX, XXXX. A collection that is inaccurate. Equifax violations total is 35, between the 3 accounts. XXXX violation total is 20, between the two accounts. XXXX  total violations total 14 between the two accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 ( 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 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: NC
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name 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 2022-06-13
Company: GLA Collection Company, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called them to cancel the service but they put me on hold for whole day and later they stop picking up my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
modification in XX/XX/2020 PA code 59.13 in relations to reasonable diligence was violated when i timely provide record of everything required for a modification was denied for timeliness of documents even though it uploaded and I emailed it to support my record and less than 90 days later i was offered another attempt at the same modification I then supplied updated financial information and all other information was good to go yet Mr. cooper needed another XXXX ( valid for 120 day ) and a authorization for XXXX ( same information ) and different criteria from the same loan months prior another affidavit another XXXX XXXX app done again WHEN they were the one at fault .. How can i supply you with emails of record and upload them and Mr cooper said they never received them but my email Shows when Mr cooper got them within the required time defined in this legal section Mr cooper has never taken into consideration the harm of not knowing what to expect or how to make informed decisions when one is at the brink of foreclosure and its very alarming. In this pa code 59.13 there is a subsection iv ) Facially complete application : and i met all those conditions in XXXX and my very last attempt this year ( when i stopped submitting my documents i then FILED WITH THE CFPB, XXXX XXXX XXXX XXXX XXXX  ) So while i wait for " justice '' and this was ignored Mr cooper Runs out the clock and leave me with tackling a unfair amount that should have been negotiated XX/XX/2020 but Mr coopers Mail box didn't work at that time And this last attempt IS Mr Coopers gross negligence after their " charity forbearance '' My DOCUMENTS were sent on time and anything Missing would have been rectified the second time Mr cooper has purposely been evading to evaluate me on time and then ask me for information in a short period of time where there is no reasonable way it can be achieved .... I'm Flabbergasted that MR COOPER THINKS THAT I DONT KNOW THE PROCESS AFTER ALL THE PROCESSES IVE BEEN SUBJECTED BECAUSE OF MR COOPER XXXX TO ADMIT A MISTAKE time after time after time. BUT THATS NOT REDUNDANT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: JPMORGAN CHASE & CO.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
My cell phone XXXX was fraudulently ported to XXXX XXXX XXXX Since then on a daily basis my passwords are changed on my Chase bank account. A person in XXXX Florida submitted a rush order to send a debit card to them and my account was charged {$50.00}. Chase took care of this. Today I am unable to sign in to my XXXX 's account after receiving an email from them today. This person requested my wife 's Chase credit card be mailed which Chase sent. I called Chase and the card was cancelled and they are sending her a new one. Every day I have to fight a new action. Today my wife is unable to sign in to her Chase account because her password has been changed. They add a character to our email to access our accounts. My XXXX is changed by adding a second y after XXXX. My XXXX is changed to XXXX by adding an l. They also attempted to get into my XXXX account. XXXX is my internet provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XX/XX/2019 Charge Off XXXXXXXX XXXX XXXX {$650.00} XX/XX/2019 Charge Off has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a Venezuelan refugee. 
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 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 2023-06-23
Company: EQUIFAX, INC.
State: MI
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, I found citizens bank business checking promotion online. Please see the link. 

https : XXXX. 

Citizens bank had a promotion to open a business checking account at that time. 
earn a {$500.00} bonus, open your first new Business Advisor Checking account between XX/XX/23 and XX/XX/23 and have a minimum opening deposit of {$5000.00} post to the account by the date stated in the table below then remains on deposit until the date stated in the table below and make five qualifying transactions in the two months stated in the table below. Qualifying transactions include deposits made at a Citizens branch, ATM, or through the mobile app ; payments made by check or XXXX XXXX XXXX ; debit card transactions include signature and PIN-based debit transactions in person directly at a merchant location or in app or online merchant sites. Transfers between other Citizens accounts do not qualify. 

I made an appointment at Citizens bank XXXX branch, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX. The banker XXXX XXXX opened a business Advisor Ckg account for me on XX/XX/1923. 

I met all Citizens bank business checking promotion condition since then, but I still dont receive the {$500.00} bonus. 

Please investigate what happened and deposit {$500.00} to my account. 


Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the following information on my file. I recently learned that my personal information was used to open an account at COMENITYCAPITAL/ZALE, COMENITYBANK/VICTORI and COMENITYBANK/XXXX. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I am a victim of identity theft and did not make the charge [ s ].

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Credit Card Receivables Fund Incorporated
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a letter by XXXX XXXX XXXX, Attorneys at Law in XXXX stating that they are attempting to collect a debt on behalf of XXXX XXXX, XXXX for a debt I allegedly owe to XXXX for account number XXXX. 

I had a third party credit reporting agency contact XXXX XXXX XXXX to obtain the account number and verify the debt. The resulting report is attached. The account at XXXX XXXX XXXX was reported to the third party credit reporting agency as Charged Off. I assume because they were not able to verify it was mine. 

The third party credit reporting agency also contacted XXXX on my behalf. XXXX was not able to produce any such account. This account does not appear on any of my three credit reports. It does not exist.

Company response to consumer: Closed with explanation