BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: VA
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 name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage with Suntrust Bank ( now Truist ) for over ( 7 ) years. About 7 months ago, I requested that I no longer have an escrow account, as I have a credit score over 800, sufficient funds in my bank account to cover payments for my property insurance and real estate taxe bills, and don't feel as though I need someone to " manage '' my account to ensure that I keep insurance and tax payments current. 

I was told by the first customer service rep at the bank that it was no problem to eliminate the escrow account, and it should be taken care of within a week. After hearing nothing for ( 3 ) weeks, I called back in and the second rep indicated that the bank has a policy against allowing me to manage my own escrow account. I asked what the appeals process is or waiver process, and was told no appeals or waivers. 

Since the VA doesn't require the lender to have an escrow account for taxes and insurance, this to me is the financial institution making money off of the use of my money and not even an efficient use of my money. I have to pay an additional amount of money ( 1.65 % ) because they pay my property tax in two installments, where I would pay the full amount when due if I was managing my account. Their short sighted internal policy is costing me money and I want it to end. I haven't needed their " assistance '' to manage my escrow accounts from the start, just finally got around to fixing their issue.

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 2022-12-31
Company: Resurgent Capital Services L.P.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
LVNV Funding LLC Account # XXXX and Account # XXXX LVNVFUNDING LLC has collected exempt funds and is attempting to collect exempt funds. One of the accounts was dismissed in Iowa courts for failure to provide verifier able evidence. LVNVFUNDING LLC needs to be investigated for unfair and deceptive practices

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Hello, I have tried to resolve this with the bureaus and the bank, XXXX XXXX XXXX XXXX, and they either ignore me or try to push the problem to the other entity. 

What happened was that I opened an auto loan with XXXX XXXX right in the middle of COVID, and my account was never set up properly where I could link my normal bank account to the XXXX account to pay the bill. 

I couldn't go in and solve this problem because it was during the middle of Covid. At the time, everything was on lockdown, so I didn't have any funds in the account, and online, no way actually worked for my bank, XXXX, to link to XXXX for a bank to bank transfer. 

Therefore, they registered that I had missed two payments and was severely delinquent on my account. 

The lender I worked with never reached out to me to resolve the issue when I couldn't link my accounts with theirs to pay the bill when the bank branches were closed during covid, and the online website didn't work. 

I'm not asking for anything out of line or impossible to achieve ; I have even paid more than my fair share to the bank ahead of schedule in an attempt for them to correct their report. 

I am only asking for the false, derogatory marks to be removed. I think this is pretty understandable considering both parties are to blame and that I have already made up for the payments and added more. 

As far as other people are thinking about looking to get a loan with XXXX, I know they have lower rates, but they really have to work on their back end where they don't trash people 's credit if there is an error. 

I also do not appreciate the fact that I have called them multiple times and made efforts to reach their manager, and they either put me off or tried to push the problem on the bureaus or someone else instead of helping their customer. 

Hopefully, this helps resolve this issue and that something good can come from my situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: BERKSHIRE HILLS BANCORP, INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted this bank and they are unable to provide me any information concerning a fraudulent account. Sent mail and filed FTC complaint. This company refuse to validate debt. This company cant provide signatures on any documents because the account is fraudulent.

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 2023-09-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received a letter dated " XX/XX/2023 '' from " EQUIFAX '' providing a " verification code ''. 

However, the website stated in the letter was/is a non-working malfunctioning website. Therefore, yet again I was unable to implement a fraud alert. 

I called their specified phone number and yet again the lengthy recording stated that they were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Experian Information Solutions Inc.
State: IN
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 file a dispute in XXXX, XXXX 2020, XXXX XXXX and XX/XX/XXXX asking for method of verification for a bankruptcy being reported on my credit report by " experian credit bureau '' only to be ignored and repeatedly lied too.Stating the us bankruptcy courts are XXXX XXXX provide this information. I have documents stating otherwise.from both the bankruptcy courts and XXXX XXXX stating they did not give out such information!! please investigate XXXX XXXX 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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I noticed a hard inquiry on my consumer report from TransUnion via XXXX XXXX XXXX. I did not give TransUnion written permission that contained my signature to pull my report. I have no knowledge of XXXX  XXXX XXXX  or any products from XXXX  XXXX XXXX. I have contacted TransUnion and XXXX XXXX XXXX  regarding the issue

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 2022-05-17
Company: EQUIFAX, INC.
State: GA
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 XXXX Account XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX account XXXX XXXX, XXXX  account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Bread Financial Holdings, Inc.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : COMENITY BANK/AVENUE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: ONLINE Information Services, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a notice in the mail from XXXX XXXX XXXX XXXX in 2020. I have and had no idea what this company was alleging I owed. I mailed them a certified letter asking what this was about and a copy of any contracts, original documents, etc. They never provided me with anything, however ; they reported a debt in the amount of {$2200.00} which has negatively impacted my credit. To top this off, they have the audacity to state that this debt was disputed and resolved, yet it's there on my credit report. This has not been resolved, and this company is violating my rights by reporting this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: GA
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 IDENTITY WAS STOLEN AND USED FOR FRAUDULENT PURPOSES. THE THIEVES APPLIED AND OPENED ACCOUNTS IN MY NAME AT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND ALL OTHERS THAT I DO NOT HAVE KNOWLEDGE OF. 

ADDITIONALLY, I HAVE OVER XXXX INQUIRIES ON MY CREDIT THAT I DID NOT APPLY FOR. PEOPLE KEEP CALLING ME REQUESTING MY SOCIAL AND DATE OF BIRTH. COMPANIES KEEP CALLING ME BASED ON APPLICATIONS THAT WERE SUBMITTED IN MY NAME FOR A MORTGAGE, LOANS, CREDIT CARDS, AND APARTMENTS. 

MY INFORMATION WAS ACCESSED BY DATA LEAKS AT EQUIFAX, XXXX, XXXX, XXXX, AND PLACES THAT ARE UNKNOWN. I HAVE HAD FRAUD ALERTS ON MY CREDIT BUREAU REPORTS FOR YEARS, BUT THEY KEEP CIRCUMVENTING THE FRAUD ALERTS. 

THERE WERE BANK ACCOUNTS AND TAX RETURNS FILED UNDER MY NAME FOR THE PURPOSES OF FRAUD. I REACHED OUT TO XXXX XXXX, AND THEY REFUSED TO REMOVE THE FRAUDULENT ACCOUNT, STATING THAT THE ACCOUNT WAS MINE BECAUSE IT WAS UNDER MY NAME. 

I HAVE REACHED OUT TO THE BUREAUS, AND THEY HAVE NOT DELETED THE INQUIRIES NOR THE FRAUDULENT ACCOUNTS. THEY ALSO DO NOT RESPOND TO MY COMPLAINTS. I AM XXXX XXXX XXXX, AND THIS IS ELDER ABUSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the XXXX credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 


XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I applied for employment with XXXX and XXXX. Checkr is stating that I need to download a copy of my driver 's license. The link the company gives does not work. When I contacted Checkr with the issue I get the same automated response via email that I need to download my drivers license. The link to download the driver license does not work, when I spoke to the representative at Checkr, they tell me to try again and if I have the same problem to call back. I called back and I receive a recording that they aren't accepting phone calls. The company is having me go in circles and preventing me from obtaining employment by not listening to my complaint that the link is not working. I sent a copy of my driver 's license via email and I'm told that it's not acceptable and I must upload the document. I can not do that as the program has a bug which is not allowing the upload and therefore I am unable to work. I have screenshots of what happens when trying to upload to help resolve the issue but the company looks the other way and states due to Covid-19 the offices are closed and there is only home based assisted representatives who can not help. It's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am requesting the prompt deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information cease to be reported, as their inclusion violates the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist on the immediate removal of these accounts and information from my consumer report to rectify the violation of these legal statutes. Please take immediate action to remove these accounts and information promptly.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
on XXXX i sent a letter to transunion stating that, Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. i was asking transunion to verify these accounts and inquries listed below 1.XXXX inquiry on XXXX XXXX XXXX  XXXX. XXXX XXXX inquiry on XXXX XXXX XXXX  3. XXXX inquiry on XXXX XXXXXXXX XXXX 4.XXXX XXXX XXXX XXXX account ( Original creditor : XXXX XXXX  XXXX ) also XXXX XXXX XXXX  is not licensed to collect debts in new york so they must be deleted and removed now it is now XXXX  and they have not responded or update my credit report its been over 30 days and no response. that is against the law. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof like a contract with my signature on it in the next 30 days, you must remove the account and inquiries. 
since its over the 30 day period and no response. i want these removed

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 2022-10-17
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I asked transunion and XXXX to verify this account because there is inaccuracies. Also, this account does not belong to me and Transunion and XXXX responded verified but did not send proper documentation showing me how they verified the account and the documents they have that verified the account. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account with a balance of {$350.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right and 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 constructions

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 2022-05-17
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax has failed to send over any proof sign signatures etc of the. They stated they verified the information with XXXX XX/XX/XXXX which is false because my XXXX has bee frozen since XXXX of XXXX. Failure to send over proof of documents etc item need to be removed from my credit report.

Company response to consumer: Closed with explanation