BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
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: Reporting company used your report improperly

Complaint:
I am writing to address the issue of inaccurate account reporting on my consumer report. I would like to draw your attention to the fact that I never provided written consent for the inclusion of these accounts in my report. Consequently, I believe that my rights under 15 USC 1681b have been violated. This particular violation pertains to the safeguarding of consumer information and the necessity of obtaining consent before reporting it. 

I have already filed a complaint with the Federal Trade Commission ( FTC ) and have been assigned a reference number:XXXX. Furthermore, I have made numerous attempts to request the removal of these items from my report, only to receive unsolicited documents from the creditor. My grievance is specifically aimed at the credit reporting agencies, namely Experian, XXXX, and XXXX. It is your responsibility to ensure accurate and compliant reporting. 

In accordance with 15 USC 1681c-2, consumer reporting agencies are mandated to promptly block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft. Therefore, I kindly request that you fulfill this legal obligation and expeditiously eliminate the following accounts from my consumer report : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name : 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 2021-07-29
Company: EOS Holdings, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2021, I had an appointment at an apartment complex here in XXXX, to view an apartment for my Mother. I was greeted by the receptionist and she asked me to spell my last name. Unbelievable, she then showed me a piece of mail that had MY NAME with a valid address at their complex! I had never lived there before and they had planned to " return to sender '' this piece of mail. So, since it was in my name, I decided to open it. It was a " Settlement Offer '' from a company called EOS CCA out of XXXX, MA. Their Client Name listed is XXXX XXXX. I called XXXX XXXX  since I was a former customer of theirs and verified I owed them no money! This is 100 % fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-30
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2022 at XXXX XXXX  ET, I've received a email from Goldman Sachs stating I was denied for the GM card by Marcus due to not being able to verfiy my identity. I called Godman Sachs and the customer service representative wasn't able to help me verfiy my identity they kept telling me to apply again and after doing so I kept getting the same email with the same information. Saying " We're unable to verfiy your identity ''. 
This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The Dodd-Frank Act added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Navient Solutions, LLC.
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:
There has been information published on a consumer report that I never gave either company ( XXXX XXXX, OR NAVIENT ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts are validated. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with NAVIENT. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please delete the accounts below due to several violations of the law. The companies in question for the alleged debt are as follows : NAVIENT ( ACCOUNT : XXXX ) and NAVIENT ( ACCOUNT:XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: ALLY FINANCIAL 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:
Ally financial has a charged off a car loan that doesn't belong to me. I have reached out to them multiple times as well as the 3 major credit bureaus. I haver asked to see the persons ID and the signed contract this has gone unanswered. from 3 credit bureaus and ALLY. the amount they claim I owe is ALLY FINANCIAL {$7500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have an existing auto loan with Santander XXXX  that was open XXXX of 2018. It has then come to my attention that this lender was part of a class action suit shortly after. 
After referring to the legal website where the information of the class action suit was obtained, it appears that I indeed to qualify for relief. 
Prior to my knowledge of the lawsuit, I have questioned my loan with the lender on numerous occasions. 
I also ave reached out to the company in efforts to get more information, where they were know help at all. 
A year later, I am still getting run around between Santander & the Attorney generals office as to how I can obtain information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
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:
XXXX XXXX XXXX ACCOUNTXXXX REPORTS LATE PAYMENTS ON ALL 3 BUREAUS IN AN INCONSISTENT CONFICTING MANNER.THIS HAS OCCURRED AFTER NO LESS THAN 3 ATTEMPTS AT ACCURACY BY DISPUTE WITH EACH OF THE BIG 3.

I HAVE ATTACHED A THIRD PARTY RECENT REPORT BY XXXXTHIS REPORT ON XXXX SHOWS A 30 DAY LATE IN XX/XX/2016 AND A 60 IN XX/XX/2016XXXXON XXXX WE SEE NO LATES WHATSOVER. ON EQUIFAX WE SEE A 30 DAY LATE IN XXXX OF 2016. 
DUE TO THE FCRA, THE NUMBERS OF DISPUTES PER BUREAU, THE LACK OF THE VERACITY OF INFORMATION TRANSMITTED BY XXXX XXXX XXXX I   WOULD ASK IN THE INTEREST OF FAIRNESS UNDER THE LAW, THE LACK OF FAITH IN ACCURATE REMEDIATION, THAT THE ACCOUNT BE DELETED FROM ALL BIG 3 BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had my bank account that had been in use for 4 years, they infiltrated my bank account, I made a report that there was something very strange in the account and anyway they decided to close my account and I can no longer open an account in another bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX L XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2023-06-06
Company: EQUIFAX, INC.
State: KY
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 many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
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:
RE : Notice to Correct Credit Report Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Item Number Company Name Account Number Comments 1.

2.

3.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely, Under the Fair Credit Reporting Act ( FCRA ), you have the right to request that inaccurate or incomplete information be removed from your credit report.

Here are some LAWS! 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Alisa Katz Campbell, P.C.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I've paid this loan off in full and this collection company keeps calling me asking for money saying they going to take me to court over XXXX dollars

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
I double-checked my report and verify these accounts appeared and I have no idea where it came from. I demand the accounts listed below to be removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attached below is a copy of Identity Theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Wednesday, XX/XX/2021, I received an email from Chime that said my account balance was low. Because a family member has previously attempted to steal my identity, I took this email seriously. I went to the Chime login, typed in my email address and clicked that I'd forgotten my password, and soon I was able to reset the password and log into an account. The routing number is XXXX and the account number is XXXX. I saw that there had been two transactions associated with the account, each in the amount of approximately {$5.00}. 

I contacted Chime via email and explained the account had been fraudulently opened and should be closed immediately. I received a response that I would need to provide identification in order for them to do anything. I sent them a copy of my Certified Fraud Examiner credential and they did agree to lock the account, but insisted that I provide a copy of my identification such as a drivers license in order for them to take further action. I refused to do so because I do not know if the persons I would emailing with were a part of the scam. 

If Chime is a legitimate banking outlet they are not reliable. There is a flag on my information with XXXX  and so this account should have never been opened without my knowledge or consent. 

I am asking that you investigate this incident and this bank - if it is a bank - and get to the bottom of how this happened. 

Thank you, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Experian Information Solutions 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:
I believe my credit report is mixed with my XXXX, who shares a very similar name to me. On our credit report, we have both of our credit history on there ( including auto loans, credit cards, etc. ) Our social security numbers are one digit apart so I can imagine why the mix up happened. We have tried to contact the three credit bureaus and sent in information to prove that we are two different people but still with no results. They are also very hard to reach in general and do not follow up with us ( even though they said they would ). Our mixed credit report is blocking me from being able to change my last name ( to my husband 's ), as well as preventing our ability to buy a home.

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 2023-11-10
Company: EQUIFAX, 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 appreciate your time to REMOVED some of the fraudulent items in my file that resulted from an alleged identity theft but I still have ITEMS left that needed to be removed. I was going through my records & noticed these items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
EQUIFAX : XXXX XX/XX/2023 XXXX : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$5100.00} DEPARTMENT OF CHILD XXXX Balance : {$4600.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: GA
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation