BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-01
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: NY
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 2023-05-24
Company: Experian Information Solutions 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:
In accordance with the FCRA, ( Experian, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give anyone written permission to furnish these accounts to my credit profile. I have the list of accounts that I will post here! XXXX XXXX Account # : XXXX, XXXX  XXXX Acct # : XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # : XXXX, XXXX XXXX XXXX Acct # XXXX. I am attaching identity and proof of address.

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 2021-03-08
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a letter from a private student loan debt collector claiming that I have not paid my loan but I have been making payments despite my account with them showing no payment is due. I am currently in graduate school and should be making student loans and the global pandemic of Covid 19 protects borrowers from making payments during this time. My loan amount is also significantly lower than the amount they are saying I owe. My current loan amount is {$620.00} and they are saying my balance is {$1300.00}. 

My account loan number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
IN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 



XXXX XXXX AUTO LATE PAYMENTS REPORTED ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than seven years. 1 5 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 have 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 2023-05-30
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:
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 # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX : # XXXX, account name XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2019-01-01
Company: EQUIFAX, INC.
State: OH
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 was trying to figure out how these address on my credit that are not mine. THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE DELETE. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX, Ohio XXXX. My employer XXXX XXXX XXXX XXXX XXXX. XXXX XXXX   THESE FOLLOWING ADDRESSES ARE NOT MINE : XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
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 have been a victim of identity theft for several years now I've made police reports and sent them in to all credit bureaus to no avail XXXX is still reporting this item on my credit report as mine and it isn't time and time again to get this matter resolved and nothing is happening this item is ripping my credit apart its hard for me to get housing getting loans for my children 's college loan I have been steadfast in paying all my bills on time and XXXX is not reporting my payments and my credit score has not increased at all this item needs to come off my credit report the company name is WF/NATION DATE OPEN : XX/XX/2019 BALANCE XXXX thank you in advance for all of your help on my behalf XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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:
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. 

The letters are stated with items and issues. 

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 explanation
Consumer complaint received 2021-09-30
Company: Experian Information Solutions Inc.
State: CA
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:
Hi good morning I sent a certified mail package of my 609 letter to verify this information and show me the debt belongs to me. This was verified received by Experian XX/XX/2021. I have not received any mail at all regarding this dispute and my verification and it is now XX/XX/2021. 
I did receive one email stating my dispute results are ready and its been verified. That is not the info I asked for and not once did I agree for communication through email. My email was not even stated on my documentation I sent off. XXXX XXXX and XXXX have successfully removed my collection in regards. Experian needs to look over more closely my documents and request cause they did not handle it correctly and properly!!

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 2022-12-30
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 -- - I was never late on this account because I always pay on time. The payment history of this account is inaccurate! PLEASE INVESTIGATE AND UPDATE THIS ACCOUNT WITH LAWFUL ACCURACY! 

XXXX # XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXXXXXX XXXX XXXXXXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 


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 of 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 explanation
Consumer complaint received 2021-09-30
Company: SYNCHRONY FINANCIAL
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:
I have tried multiple times disputing this information with Synchrony Bank and all three credit bureaus. Synchrony Bank informed me that I'm not an authorize user nor do they reflect any accounts with my social security number. I have contacted the credit bureaus and they have failed to provide me any documentation that I applied for any credit with this company. I'm requesting this account be deleted from my credit reports immediately.

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Billing dispute for services

Complaint:
Transunion credit reporting service requires an initial {$24.00} charge to register an account to request a credit report that should be free/gratis ; then sends an e-mail confirmation of new subscription with a monthly, recurring charge as well as the option to terminate membership after the first month and initial payment.

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 2023-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX of last year my Bank of America savings account was compromised by fraud. This was a retirement savings account and I had very little activity on my part. An occasional withdrawal for taxes or something. I was notified that they were going to start charging me because of excessive activity that month. I looked at my account and saw that several XXXX transfers were made, cash withdrawals and online bank transfers were made. None of theses were mine. I have spent hours and hours on the phone with BoA. I contacted the Washington State Attorney General and they were involved. After 9 months I finally received what BoA considered to be the last of the monies paid back to me. My problem is {$2500.00} is still owed me. In the accounting they did two charge backs on the account. They should have only done one and I am short {$2500.00}. Ive spoken to several people on the fraud phone line and went over it with them. I was told they would report it to their supervisor and the {$2500.00} check would be sent to me in 10 days. I keep waiting and nothing. 
According to my account statement its clear what my beginning balance was. 
With the four checks I have received totaling {$22000.00} I am still missing {$2500.00}. That is the charge back money that they still owe me. They consider the case closed because the stolen money was paid back. The other {$2500.00} is an accounting error on their part and they refuse to address it.

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 monetary relief
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX along with their affiliate XXXX processed an application for credit that was not authorized by me. In fact, it was processed as the result of a fraudster who stole my identity. This fraudulent application was apparently processed on XX/XX/23 based on a fraudulent inquiry I discovered in my XXXX report. I have made numerous attempts to contact the company via phone and email and have submitted a police report along with FTC identity theft affidavit. They have refused to respond and it has become abundantly clear that this is simply their tactic of avoidance utilized in their day to day business. It is also clear their intentional conducts to avoid resolving customer issues with identity theft are both harmful to me personally but to consumers as a whole.

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 2023-08-22
Company: Experian Information Solutions Inc.
State: CA
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 NEED HELP ; month after month since XX/XX/2023 the accounts below have shown inaccurate reports ; returning to me as verified and in some subjects updated ; still very inaccurate. I am in need of help because I am being harassed by a debt collector who is sending letters of intent to sue. In accordance with the Fair Credit Reporting act. The ACCOUNT below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have told the EXPERIAN, XXXX, and XXXX multiple times to reinvestigate ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  XXXX. 
In todays case Monday XX/XX/2023 the inaccurate information between XXXX XXXX XXXX  XXXX and XXXX XXXX XXXXLAST VERIFIED updated but inaccurate ; DATE OF LAST ACTIVITY updated but inaccurate ; DATE REPORTED updated but inaccurate ; DATE OPENED updated but inaccurate ; DISPUTE STATUS updated but inaccurate ; CREDITOR TYPE updated but inaccurate ; PAYMENT STATUS updated but inaccurate ; CREDITOR REMARKS updated but inaccurate ; ORIGINAL CREDITOR updated but inaccurate ; PAYMENT AMOUNT updated but inaccurate ; LAST PAYMENT updated but inaccurate ; ACCOUNT TYPE updated but inaccurate ; DAYS LATE-7 YEAR HISTORY updated but inaccurate. 
Updated*/modified According to 15 USC 1681 ( 5 ) they are suppose to modify/delete accounts that isn't reporting correctly.

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

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/2023 i sent transunion letters about inaccurate fraud account on my report it is violating 15 U.S. Code 1681b - permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud XXXXXXXX XXXX XXXX XXXX : XXXX Balance : {$92.00}

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 2022-04-16
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Chime XXXX  Card has not consistently reported to all 3 credit bureaus as advertised each month. They infrequently report the card using from 1month then go 3 months without reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, North Carolina, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have a 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
Company: CMG MORTGAGE, INC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I would like to file a formal complaint against CMG Financial mortgage. I noticed that my most recent credit report contains a late payment for XX/XX/2020. 

I reached out to the mortgage company directly to update these late payments. I explained my situation and how this was a direct result of the covid-19 pandemic. My cries fell on deaf ears and I was given the run around filled with false promises. I have a paper trail of my request. 

During the time the late pays took place, we had contracted the XXXX XXXX XXXX XXXX XXXX XXXX 
Additionally, due to the stay in place order in XXXX, Illinois, my spouse was out of work and my job began to limit hours. 

I have an excellent payment record. This was an unavoidable oversight caused by the economical effects of pandemic. 

My finances are top priority and I have organized all of my accounts and payment due dates, both on my computer and on paper, along with notifications and reminders for each one. Since then and prior to, Ive had a spotless record of on-time payments. I am asking for a courtesy adjustment on my account because of the pandemic.

Company response to consumer: Closed with explanation