BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 cannot 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions 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:
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 ; Account # 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 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 2023-03-19
Company: EQUIFAX, 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:
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 # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I request the intervention of the Consumer Protection Financial Bureau to evaluate two agencies that appear to be inquiring about credit under my name, some with errors and others submitting the same information on several occasions. The documentation was sent to confirm firmly that these agencies do not take into account or assume that everyone who requests credit is possibly a " fraud '' who is already known in these matters. Please take immediate action because they are based on theories that assume that it is really me who is requesting, they do not realize when they make account invocations on several occasions.

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 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Bureau, I am writing to dispute several negative items that appear on my credit report. After reviewing my report, I have found several errors that I believe are affecting my credit score unfairly, and I am requesting that you take appropriate action under the Fair Credit Reporting Act ( FCRA ). 

Firstly, the account listed for XXXX  XXXX XXXX with the account number XXXX has questionable information. I request that you provide me with a detailed explanation of this account or delete it from my credit report. 

Secondly, the account listed for XXXX XXXX, XXXX with the account number XXXX has inaccurate information that is damaging my credit score. To the best of my knowledge, this account has never been paid late, and I am requesting that you update this account and delete the inaccurate information immediately. 

Under the FCRA, you are required to investigate any disputed information on my credit report and make corrections if the information is found to be inaccurate, incomplete, or unverifiable. I request that you investigate these errors and make any necessary corrections within 30 days of receiving this letter, as required by law. 

Furthermore, I request that you provide me with a written confirmation of any corrections made to my credit report, as well as a new copy of my credit report reflecting the updated information. 

Thank you for your prompt attention to this matter, as I am confident that you will handle this dispute in accordance with the FCRA and the law. 

Sincerely, 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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern, I trust this letter finds you well. I am writing to address discrepancies in the reporting of my personal information on my credit report. Having recently reviewed my credit report, I have identified inaccuracies associated with my profile. 

As of the date of this correspondence, my current residence is accurately reflected by the address stated above. However, I have observed inconsistencies in the reporting of my date of birth and name. I am reaching out to you to promptly rectify this matter. 

To facilitate the correction of errors on my credit report, I kindly request the following actions : Update my credit report with the correct name and date of birth as follows : Date of Birth : XX/XX/1991 Name : XXXX XXXX XXXX Remove all previous addresses from my credit report, as I no longer reside at those locations. The inclusion of outdated addresses is impeding the verification of my identity and adversely affecting my ability to secure approvals for various financial transactions. 

To support this request, I have enclosed a copy of my updated address form, serving as proof of my current residence. Additionally, I am willing to provide further documentation, such as a utility bill or other forms of verification, to facilitate the verification and update of my credit profile. 

Understanding the significance of maintaining accurate and up-to-date information on my credit report, I appreciate your prompt attention to this matter. Your assistance in resolving this discrepancy is crucial for my seamless conduct of financial transactions. 

I kindly request that you investigate and address this matter within the legally stipulated timeframe. I eagerly anticipate receiving confirmation of the corrections made to my credit report. 

Thank you for your expeditious attention to this matter. I sincerely appreciate your cooperation. 

Sincerely, 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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
XXXXXXXX XXXX I paid off all credit card debt. Transunion and XXXX reflected XXXX XXXX balance but never updated my credit scores. I have requested my score and can not get it updated. I now as of today gave XXXX account less then XXXX debt and my credit score is not being updated. XXXX is the only one that has reflected a current credit score.

I want my credit score update and a copy of 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 2023-03-19
Company: Experian Information Solutions 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:
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 # 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 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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'm a survivor of wholesale fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be extremely valuable. We are hoping to purchase a house. Kindly assistance

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 2023-03-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. 

15 U.S.C. 1681 Section 602 A States : I have a right to privacy.

15 U.S.C. 1681 Section 604 A ( 2 ) States : A consumer reporting agency can not furnish an account without written instruction.

15 U.S.C. 1681c Section ( A ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information And other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 Section s-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that they the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I reached out to a number of Goldman Sachs staff including the CEO 's office and no remedy to properly adjust my interest rate on both cards to at least 6 %. I have been unable to resolve my issue with the incompetence of your staff at the lower levels so I am emailing you directly. My issue is simple, I am a XXXX XXXXXXXX on XXXX XXXX. I have been on and off XXXX XXXX for years and on this latest time I receive orders there has been a struggle to get my Servicemember Civil Relief Act ( SCRA ) benefits and protections ( 6 % interest rate on credit cards ). Over 90 % of my credit card companies have complied with this which is the federal law ( statute ) yet Goldman Sach 's Apple Card have stonewalled me a few occasions. I need resolution at your level. This has also been the case for my wife 's credit card- XXXX XXXX. See email chain and attachments. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Bureau, I am writing to dispute several negative items that appear on my credit report. After reviewing my report, I have found several errors that I believe are affecting my credit score unfairly, and I am requesting that you take appropriate action under the Fair Credit Reporting Act ( FCRA ). 

Firstly, the account listed for XXXX XXXX XXXXXXXX with the account number XXXX has questionable information. I request that you provide me with a detailed explanation of this account or delete it from my credit report. 

Secondly, the account listed for XXXX XXXXXXXX XXXX with the account number XXXX has inaccurate information that is damaging my credit score. To the best of my knowledge, this account has never been paid late, and I am requesting that you update this account and delete the inaccurate information immediately. 

Under the FCRA, you are required to investigate any disputed information on my credit report and make corrections if the information is found to be inaccurate, incomplete, or unverifiable. I request that you investigate these errors and make any necessary corrections within 30 days of receiving this letter, as required by law. 

Furthermore, I request that you provide me with a written confirmation of any corrections made to my credit report, as well as a new copy of my credit report reflecting the updated information. 

Thank you for your prompt attention to this matter, as I am confident that you will handle this dispute in accordance with the FCRA and the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that the information was erroneous. Equifax must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The items need to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$770000.00}, XXXXXXXX XXXX XXXX  XXXX Balance : {$280000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account u open end consumer credit plan as I purpose.

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 2023-03-20
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: AZ
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:
The account listed below is in direct violation of my federally protected rights under the FCRA pursuant to 15 USC 1681. All three credit bureau are reporting inaccurate information to my credit report hindering me from moving forward with obtaining credit. The company XXXX XXXX is reporting a charge off with a past due balance which is a direct violation of FCRA rights. A charge off can not have a past due balance. When a debt is charged off to someones name the original company receives a tax break for the full amount of said debt. Also, When a auto loan goes into a default the FDIC pays out the bank threw insurance for said debt. XXXX XXXX has received more than original amount owed on the vehicle including all the money they originally received from me. This debt is also longer than 7 years old. Arizona statute of limitations for debt is 6 years. All Intern making me no longer liable for this debt under the FCRA guidelines. This account is also violating my consumer reporting rights. Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove the account from my credit report immediately. 

Account name : XXXX XXXX XXXX XXXX  Account number : # 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 2023-03-20
Company: EQUIFAX, INC.
State: AZ
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:
The account listed below is in direct violation of my federally protected rights under the FCRA pursuant to 15 USC 1681. All three credit bureau are reporting inaccurate information to my credit report hindering me from moving forward with obtaining credit. The company XXXXXXXX XXXX is reporting a charge off with a past due balance which is a direct violation of FCRA rights. A charge off can not have a past due balance. When a debt is charged off to someones name the original company receives a tax break for the full amount of said debt. Also, When a auto loan goes into a default the FDIC pays out the bank threw insurance for said debt. XXXX XXXX has received more than original amount owed on the vehicle including all the money they originally received from me. This debt is also longer than 7 years old. Arizona statute of limitations for debt is 6 years. All Intern making me no longer liable for this debt under the FCRA guidelines. This account is also violating my consumer reporting rights. Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove the account from my credit report immediately. 

Account name : XXXX XXXX XXXX XXXX Account number : # XXXX

Company response to consumer: Closed with explanation