BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: IL
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 am writing to file a complaint against Equifax regarding a series of issues I have encountered while attempting to update my credit report. The details of my experience are outlined below : On XX/XX/XXXX, I visited the Equifax website to update my credit report. However, I encountered an error with the code " BLNK, '' indicating that my credit report was blank. Following this, I promptly contacted Equifax customer service, and a representative assured me that the issue would be resolved within 15 minutes. Unfortunately, the problem persisted. 

On XX/XX/XXXX, I reached out to Equifax again via their website. This time, a representative acknowledged the error and committed to resolving it. He explained that the steps to rectify the situation involved removing internal data blocking my report, escalating the issue, removing a fraud alert, and resetting my password. Despite my reservations about the necessity of resetting my password, the representative assured me that it was a required step to address the " BLNK '' error. To substantiate our conversation, he provided a confirmation code. 

Regrettably, on XX/XX/XXXX, I discovered that the issue persisted. Unable to access my credit report through Equifax, I resorted to annualcreditreport.com, only to find that my Equifax report now displayed an incorrect birthdate ( XX/XX/XXXX instead of XX/XX/XXXX ) and two unauthorized accounts from XXXX XXXX XXXX XXXX. These inaccuracies were introduced during the attempted resolution of the " BLNK '' error, and I believe they are damaging my ability to purchase a home. 

I am requesting an immediate investigation into the following matters : Removal of the " BLNK '' error from my credit report. 
Correction of the inaccurate birthdate on my Equifax report. 
Immediate removal of the fraudulent accounts from XXXX XXXX XXXX XXXX. 
Resolution of any negative impact on my credit score resulting from these inaccuracies. 
I am in the process of purchasing a home, and the presence of these unauthorized accounts is jeopardizing my ability to secure financing. I appreciate your prompt attention to this matter and request your assistance in ensuring a swift and satisfactory resolution.

Company response to consumer: In progress
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

Company response to consumer: In progress
Consumer complaint received 2021-10-24
Company: Paramount Recovery Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency continues to add this collection on my credit report with all 3 agencies. The original debt was with XXXX XXXX XXXX more than 7 years and Paramount continues to add and take off of my credit report causing my credit score to lower, especially when I have worked so hard to keep credit clean. They will report to all 3 agencies, I put in a complaint, it gets removed time goes by and they add it again. 

It seems that XXXX sold my account to multiple buyers and the medical debt is more than 7 years old I want them to cease all collection efforts as this is damaging my credit and the account is more than 7 years old. On top of that I have another agency trying to collect the same debt that again is more than 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2022-12-27
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
SYNBC/ XXXX This Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 2023-11-23
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 happened to check out what was going on with my credit report. I noticed several collection items placed on my report that do not belong to me. Please remove them from my report today I appreciate the help. Thanks so much.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX, XXXX and Experian blocked me from putting freezes cause I've been a victim of identity fraud. I've been a victim of data breaches XXXX XXXX allowed another person to put a freeze on a statement on my account with their name and their contact information and I don't even know this person, and still for the last 3 to 4 years I can't get access to my own account. I can't get my credit report and then when I start disputing stuff because they remove stuff and then put it back on because that's why they block me. This is fraud. The credit bureaus are committing fraud.

Company response to consumer: In progress
Consumer complaint received 2023-11-03
Company: Goldman Asset Services, INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caller claimed to be with XXXX XXXX and I had to call another number to find out that Im supposed to have defaulted on credit with XXXX XXXX  XXXX. Threatened me with court. 
I have never even purchased anything from XXXX XXXX  XXXX much less had credit with them. Call came from this number : XXXX which doesnt answer. 
I check my credit report and theres never been anything to show up to do with XXXX XXXX  XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-16
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: Problem with personal statement of dispute

Complaint:
XXXX bank at no point in their response back to me informed me of any of my issues, that I reported on my complaint. 
I asked to know why is my credit limit being lowered with EVERY PAYMENT I MAKE..they lower my credit limit to the new amount owed After each payment..keeping my credit utilization thru the roof and keeps having my CREDIT SCORE DECLINING BECAUSE THE REPORTING AGENCYS ONLY SEE THE UTILIZATIONS HIGH AND THAT LOWERS 30 TO 50 POINTS ECERY MONTH ON MY CREDIT REPORT ... I HAVE LOST ALMOST XXXX POINTS JUST BECAUSE OF THIS ISSUE.. 

Sooner or later I know some one will sue for the right laws and when this becomes a claim I well be the first 1 to add my name to the list ... this has got to be illegal to an extent.. 

I understand you give me credit you can take it away ... but you take it away with out hurting my credit score involved ... and to top it off..I have not missed 1 payment with my schedule..and yet they punish me and my credit score each passing month ... 


They did not comply with a correct response to any part of my complaint ... they legitimately just wrote words on a pdf file to have as a response with out no foundation and no law to stand behind my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
USC 1692 ( A ) abundant evident of abusive debt collection practices USC 1692e ( 10 ) use of any false representation or deceptive means. Your financial institution knowingly reported false personal credit information.

USC 1681 ( a ) ( 4 ) my right to privacy was negligently and willfully violated FURNISHING AN ACCOUNT THAT WAS CREATED FROM A CREDIT CARD OR SIMILAR DEVICE 15 USC 1681 ( A ] ( 2 ) ( B ] UNAUTHORIZED USED OF A CREDIT CARD WHEN THE USER DOES NOT HAVE IMPLIED AUTHORITY 15 USC 1602 ( P ) identity theft ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 contacted each credit agency with regards to the XXXX account. I have informed them that this account does not belong to me. However, they continue to report this account on my credit file. Please assist me in getting this matter resolved. 

Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are several inquiries that are reporting that does not belong to me : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX/XXXX

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 2023-11-21
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Flagstar bought my mortgage and they paid me interest on the escrow account for the first XXXX  years then stopped paying it. It is a CA mortgage and I am a CA resident they are required to pay interest.

After calling and spending a significant amount of time in the phone all they would say is they do not have to pay interest.

I asked that the complaint be escalated and was told it would be I was given a case number of XXXX they have never responded it has been XXXX years.

I do taxes for a living and see many accounts for Flagstar that interest is being paid on.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Account Inquiries XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023

Company response to consumer: In progress
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATION/XXXX  XXXX {$9200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$3200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$11000.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$600.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$900.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$4000.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$4600.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$5400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$5700.00} XX/XX/XXXX XXXX XXXX  XXXX {$21000.00} XX/XX/XXXX XXXX XXXX  XXXX {$4400.00} XX/XX/XXXX XXXX  XXXX XXXX {$1200.00} XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$58.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$250.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: Upstart Holdings, Inc.
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan on or around XX/XX/. The loan was approved, however, it was never disbursed. I contacted Upstart and was informed the disbursement was attempted and requested my banking information. I provided my banking information and was informed it would be a few days for disbursement. The disbursement never happened and Upstart informed me my banking information was correct, but the company was investigating the disbursement problem. On XX/XX/, Upstart deducted the first payment on the loan in the amount of {$72.00}. I have contacted Upstart on multiple occasions and was informed my payment would be returned. I contacted the XXXX  to file a complaint due to disbursement of funds. Upstart contacts me and informs me my loan isnt approved and would return my {$72.00} payment. This has not happened and Upstart is refusing to respond to emails or communicate on this issue.

Company response to consumer: In progress
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: AL
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 wallet got stolen and my social was in there. My identity was stolen and there were fraudulent inquiries added to my credit that were not authorized by me. I would like them to be removed of my credit report. 
There are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
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:
Their is errors on my credit report that I did not validate or authorize. These accounts/inquires below need to be removed immediately because they do not belong to me. 

REMOVE COLLECTIONS : XXXX XXXX - XXXX - {$260.00} REMOVE INQUIRES : XXXX XXXX/XX/XX/2018 XXXX XXXX XXXX/XX/XX/2018 XXXX XXXX XXXX   XXXX/XX/XX/2018 XXXX XXXX XXXX/XX/XX/2018 REMOVE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX EMPLOYMENT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called the special department at Transunion in reference to an inquiry that is a result of fraud. I was given the run around. I was told that even though I have an extended fraud alert and have provided countless documentation showing that I have repeatedly been a victim of someone trying to fraudulantly use my credit. I was given the run around about the most resent inquiry that I disputed. Basically, I was told that I have to start the entire process over, they representative claimed that they dont have a record of a police report, identity theft report or disputes of fraudulant inquiries. I factually sent them this informatio via the consumer finance bureau. Prior to that I sent it several times via mail, daiting back to 2005 when my late first husband 's family member stole my identity.

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 2022-11-22
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:
I am not a robot nor am I a XXXX party, however I am a XXXX year law student and I have put in a lot of time to study consumer law, and I know my rights have been violated. 15 USC 1681 section 602 A. states I have a right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency CAN NOT furnish any account without my WRITTEN consent. FEDERAL LAW overrides ANY company policy. 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 Remove any variation of my name that is not XXXX XXXX

Company response to consumer: Closed with explanation