BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
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:
the credit bureaus has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. the credit bureaus has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. The credit bureaus failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions Inc.
State: MI
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 name XXXX XXXX and # 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 SEC
TION 2 : IT ALSO STATES a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: CA
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  Accounts XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX have 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states 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 55 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten 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 2022-04-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX  I made a payment regularly to XXXX  XXXX for my 3 credit accounts. I noticed the following month while trying to balance my checking account that the money did not come out. So I called to speak with a representative to get it fixed, I explained that there must have been an issue with the automated system as I have never missed a payment before or after on any of my 3 accounts. I was then told that i could not get direct information since i was not the direct account holder, which made no sense because I am an authorized user on this account. I let it go because the representative said that while they cant tell me details without my son being present even with me being an account holder, that the problem would be noted. 

I pulled my credit last month and noticed that it was not fixed! I have reached out to all 3 credit bureaus to try to get this resolved and also to XXXX XXXX who is saying they have no record of the call! 

Also 2 accounts with the same account number are reporting different things, I have attached copies of that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
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 value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$390.00} XXXX XXXX {$89.00} XXXX XXXX {$2100.00} XXXX XXXX XXXXXXXX {$690.00} XXXX  XXXX {$1400.00} XXXX XXXXXXXX {$1400.00}

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 explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: OK
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:
FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4400.00} Status Account charged off. {$4300.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8100.00} Status Account charged off/ XXXX XXXX XXXX XXXX negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$38000.00} Status Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: TN
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/ I submitted letters to the credit bureaus informing them about inaccuracies that appeared on my credit profile. I haven't heard anything back from them and it's been over 45 days. I feel like I am being taken advantage of and I will take this matter to court if I have to. These inaccuracies are holding me back and is causing me a tremendous amount of stress. I found out recently that I was impacted by multiple data breaches, and I know for a fact that somebody had access to my information. Section 611 ( a ) states failure to respond within 30 days should result in automatic deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: UT
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/2022, I CONTACTED EXPERIAN LLC. CREDIT REPORTING TO DISPUTE THE CREDITORS LISTED ON THE FTC ID THEFT REPORT THAT IS ATTACHED TO THIS COMPLAINT. 
WHICH IS THE RESULT OF THE LISTING OF FRAUDULENT ACCOUNTS ON MY EXPERIAN XXXX XXXX CREDIT REPORTS. 
FOR SOME REASON EXPERIAN LLC AND XXXX XXXX HAVE NOT REMOVED OR BLOCKED THESE FRAUDULENT ACCOUNTS. 
I AM A PERSON WITH XXXX XXXXXXXX I CAN NOT NOT FILE THE NESSARRY LEGAL COURT DOCUMENTS RIGHT NOW, SO I NEED THE HELP OF THE CFPB DEPARTMENT. 
TO ENFORCE THE FCRA RULE OF LAW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: CA
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:
Equifax refuse too release my credit report and score they have successfully verified me through there identity verification system I sent copy of my ca drivers license and birth certificate and social security and W2 and pay stubs they still won't release my credit report there in violation of XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: NJ
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 account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
COMPANY FAILED TO RESPOND AND IS CURRENTLY IN DEFAULT AFTER BEING PUT ON NOTICE Consumer did not respond to AFFIDAVIT AND DECLARATION OF NEGATIVE AVERMENT and MEMORANDUM IN SUPPORT OF PRIVATE ADMISTRATIVE PROCESS AKA ; CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM ( CAFV ) with NOTICE OF ADMISTRATIVE REMEDY POINTS AND AUTHORITIES. Non-negotiable Private between the parties AND SILENCE IS ACQUIESCENCE NOTICE. 

On XX/XX/2020, Consumer sent XXXX XXXX, Authorized Agent for XXXX XXXX XXXX XXXX Successor to XXXX XXXX XXXX XXXX XXXX a CONDITIONAL ACCEPTANCE FOR VALUE ( CAFV ) PRIVATE INDEPENDENT ADMISTRATIVE PROCESS along with Proof of Claims, CAVEAT, NOTICE : ARTICLE VI U.S. CONSTITUTION, Certificate of Mailing under 37 CFR 1.8. with no response. 

On XX/XX/2020 a Notice of Fault and Opportunity to Cure and Contest Acceptance was sent with no response. 

On XX/XX/2020, a NOTICE OF DEFAULT AND RES JUDICATA was sent with no response. 

An invoice fee and notice of fee schedule and Final True Bill of Accounting was also sent with Copyright, trademark, trade name violation : 1. Usage of XXXX, XXXX or XXXX XXXX, XXXX, XXXX including all derivatives, spellings, and upper-case lower-case combinations and renderings of the trademark and trade name without express written consent {>= $1,000,000} Acceptance of Presentments ( without contract ) 2. Unauthorized Citations {$10000.00} 3. Warnings Issued on Paper {$10000.00} 4. Mental Anguish {$10000.00} 5. Trespassing {$25000.00} 6. Summons, Court Notices ( without contract ) {$10000.00} 7. All other related items, fees, or offers {$10000.00} 8. Punitive Damages {$10000.00} Depositions, Interrogation ( unsolicited ) 9. Name {$10000.00} 10. Drivers License Number {$10000.00} 11. Social Security Number {$50000.00} Obstruction of Travel, Property Search, Trespass, Theft, Carjacking, Interference with Commerce 12. Taking/Theft/Deprivation of Property {$10000.00} per day ( as of XX/XX/XXXX ) Signature, Endorsement, Autograph ( SEA ) 13. Autograph under threat, duress, or coercion {>= $1,000,000} Company is in violation of many FCRA violations and continues to reported incorrect and outdated information.

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 2021-10-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Equifax and XXXX XXXX. both parties involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that this fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/29 Cashapp was used to refer a friend promising me a XXXX dollar bonus and a XXXX dollar bonus for her once XXXX dollars or more has been transferred from her new account. The bonus was pending upon signup up but immediately upon finalising the transfer to be eligible for the referral bonus we are owed it said " referral failed '' with no reason listed. Upon reaching out to Cash App to inquire about it I was again just told " certain critera must be met '' and no further information was divulged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: United Shore Financial Services, LLC
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I called my mortgage company ( united wholesale mortgage ) on XX/XX/XXXX about removing my PMI ( Private Mortgage Insurance ). I was transferred to the PMI department and never got an answer from anyone in the PMI department, I was told that someone will call me back later but I never received a callback. Then on XX/XX/XXXX XXXX am CT I had a chance to speak with XXXX about removing my PMI and I was told I could not remove my PMI even though I have over 20 % equity in my home. I closed on XX/XX/XXXX, at {$250000.00} and now my home equity has increased to {$340000.00} a year to date currently. I have never been late on payments or missed payments on my account. From my understanding, these are qualifications to have your PMI removed from your mortgage. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I filed bankruptcy two year ago in XX/XX/2018. Since then I have not heard from Sallie Mae loan company regarding my private student loans. Yesterday I received an email from XXXX XXXX  saying that my Sallie Mae loans are going to collections. I tried to log on the website to make a payment plan or speak to a representative about it and it said my account was disabled. So I called the customer service hotline yesterday and today and as soon as I put in my account information it tells me that nobody is in the office to speak to me. And their business hours are open at the time I make the calls. So Im struggling to get ahold of this company to figure out this issue and its like theyre ignoring me. Im not sure what to do because they dont have any other way of contact besides that hotline and as I said I cant get ahold of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation