BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
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:
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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiries on my credit report. Someone used my social security number to apply for items in my name. I have a active fraud alert on my credit how I was notified these inquiries noted are unauthorized XXXX XXXX XXXX XX/XX/2021 & XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX  XXXX  XX/XX/2021, XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following IXXXX 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

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 2018-09-14
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The problem is with Experian. In trying to contact Experian their automated answering system malfunctions not allowing you to input any information and will not allow you to contact any real person. This with using a variety of cell phones and ' '' customer service '' numbers they list. The numbers all seem to transfer to the same malfunctioning system. But, they will send you an unsolicited survey and I requested a call back and did not happen. This has occurred five times since XX/XX/2018 not including today ( six total ). You can't even email them with issues. 
The government had their foot on their neck a little over a year in the XXXX  hack and failed to fix and follow up. Typical of Big Business and Government kissing back sides. 
These three, Experian XXXX  and XXXX XXXX, control every person in the USA 's finical life but is not held responsible. This is legalized racketeering.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18
Company: EQUIFAX, 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 information incorrect

Complaint:
I have sent everything certified mail as well. 

XXXX is in clear violation of the FCRA law under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : a ) In general- Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

FCRA 15 US Code 1681a- Rules of construction : ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE the account above from my consumer report, this agency is in violation of 15 USC 1681a Failure to respond with deletion of the above referenced account, and send out a free copy of my updated report after the changes have been made will result in legal action being taken against your company, for which I will be seeking {$1000.00} per violation for : XXXX. Deformation of Character. 
2. Neglect meant enablement of identity fraud. 
3. Fair debit collection practices act 15 USC falsifying violations 4. Fair credit reporting act 15 US C 1681n violations for Civil liability for willful noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making regularly scheduled automated payments for over 10 years without a single missed payment. My total student loan debt is divided into three loans, 1 subsidized and 2 un-sub. I have been mailing personal checks for payment to principal on the lowest balance loan since XXXX XX/XX/2018. These checks have included specific instructions in a written letter to apply the principal payment to Sequence Loan # 3, with that info also included on the check itself. I have made seven payments this way since XXXX XX/XX/2018 while my regularly scheduled payments have continued to be made by automatic withdrawal from my checking account on the XXXX of each month in the amount of {$300.00}. Of the seven principal only payments I have made, 5 of them, including the one posted yesterday, XXXX XX/XX/2018, have been misapplied to all three of my loans instead of the individual loan I designated in writing. Each time I have had to either call customer service or email them to request the payment be correctly applied according my express written instruction. In each case they have complied but it takes them several business days to do so. I don't give a flying flip if they corrected each one, this is an incredible failure rate of 5 out of 7 payments over the last 86 days. They don't expect consumers to monitor every single payment like I do and they hope that these 'errors ' will go unnoticed. This is a direct and deliberate effort to keep students in debt for longer periods. Further, my 'principal only ' payments are being applied to interest also, which is illegal. I make regular monthly payments by automatic EFT which cover the monthly obligated interest on all three loans. AES claims that their fine print states that any payment received must be applied to principal and interest due compounded daily. They are using a loose and biased interpretation of banking & finance regulation to twist the process in their favor and keep students in debt for longer periods. Judging by the sheer volume of complaints I have read about PHEAA/AES it is clear that I am one of THOUSANDS of student-loan borrowers who are being screwed by this company. WHY ISN '' T ANY AUTHORITY DOING SOMETHING ABOUT THIS FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We closed out a loan with PenFed credit union-paid off XXXX mortgages with them. For our florida house that we paid off, they kept our escrow money. It is my understanding that they need us to sign something to allow them to keep that money for any reason. We closed on that months ago and still have yet to receive escrow monies of XXXX they held, plus over XXXX that we had to give as a deposit despite already paying a full year of insurance before closing. We then had no money to pay for the insurance that was due! How can these big banks be allowed to have fraudulent business practices?

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 2023-08-02
Company: Experian Information Solutions Inc.
State: WI
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:
This complaint is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited from such fraudulent accounts. 

If you assume or allege, I have received services, goods, or monies, please have a senior executive certify under the penalty of perjury, I have obtained possession. All are being investigated by the FTC

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 2023-01-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

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 2023-04-12
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX  XXXX Date Opened : Open Date XX/XX/2020 Balance : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I opened the account. My paychecks went in. I did a transfer out to another account. American Express locked the account. I only found out after I tried to repeat the transfer. The web app does not have a notification system. They never emailed me or called me. I spoke to XXXX in the Fraud team. He explained my other bank reversed the transfer. He said the only way they would release the block is if I faxed in an Affidavit of Identity. I contacted XXXX and they signed the letter. XXXX said he did not see the fax. 

The next day, I called my other bank. They said they never even saw the transaction. I called American Express again that same day and they admitted they blocked the transfer and not my other bank.

They confirmed receipt of my fax but said they would not unblock the account because notary 's seal was too small to read. I asked them for an email address to send the form. They refused to provide one. They explained that a person collects the faxes and then scans them into their system. That is why the quality is so poor and why it took so long for them to confirm receipt of my fax.

I requested for their position to be put in writing and they refuse. I requested my account be closed. They refused. I emphasised repetatedly that the funds are my paychecks. They don't c
are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: Westlake Services, LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call multiple times a day from different numbers. I have made an arrangement with them for the owed debt yet they call at Least 4 times a day minimum asking for different amounts of money than initial agreed debt that will be paid back

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 2023-11-05
Company: Experian Information Solutions Inc.
State: PA
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 disputed the attached accounts stating that they are unknown and suspicious. I was never provided with proof that these accounts are mine. There was no investagation completed. The accounts are inaccurately reported and this was explained to each bureau. The accounts were never updated so there is no way there was an investigation that took place. How can a collection account have a balance owed or a past due balance? Since the attached accounts are inaccurate and were never investagated there is no possible way to confirm that these accounts and debt are actually mine because the information is inaccurate. There is way to much fraud and scamming taking place and I need to be able to accuratley confirm the information that is being reported on my credit report because I do not recognize the attached accounts. This is hurting my reputation and these inaccurate accounts need to be removed 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 non-monetary relief
Consumer complaint received 2023-08-02
Company: Experian Information Solutions 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:
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. 

has violated my rights. Or list of inquiries 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 2023-10-28
Company: Experian Information Solutions Inc.
State: CA
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 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 2023-03-23
Company: TD BANK US HOLDING COMPANY
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 XXXX XXXX and anxiety upon me. Additionally, I discovered unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure were 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S.C. 1681g ( b ) and 15 U. S. code 15 U.S.C. 1681g i ( 5 ) These accounts are in violation of number 100 % accurate.

The credit reporting agency stated that these accounts were properly investigated and came back as verified. However, is this true when there are several inaccuracies showing on my report? 

The address XXXX XXXX XXXX XXXX XXXX  IL is not my address and I have never lived there. In addition to this, the phone number connected to this fraudulent accounting does not and has never belonged to me.

As a consumer, I request to know all the steps the Agency took to ensure these items were 100 % accurate under FCRA 15 U.S.C. 1681i ( 7 ) Method of verification- Description of the reinvestigation procedure. In addition I am demanding this be removed and deleted from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-05-03
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
California Business Bureau , Inc sent a validation letter with the wrong amount due. On XXXX credit agency the debt states {$960.00}, but on the letter they tried to charge me {$1300.00}. Further more, The letter did not mention that I had 30-days to respond to it nor did it give me an end date to respond by. Additionally, the letter did not provide any actual proof that I was the debtor. I have attached the letter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, 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 want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$940.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$970.00}

Company response to consumer: Closed with explanation