BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-07
Company: EQUIFAX, INC.
State: TX
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:
What in the world is happening here that my concern was not attended by Equifax!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-03-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I tried to refinance my car today XX/XX/20 and I was denied because of accounts/inquiries reflecting badly on my credit report. I did not open an account with any of the companies I listed on this report nor did I allow anyone to open an account with those companies using my personal information. I do not have any type of relationship with these companies nor did I ever allow them to run or access my credit information. I did not benefit anything from these accounts being open in my name and I have already filed a police report. I have filed this report to the best of my knowledge regarding these unauthorized items on my my report and I am willing to work with law enforcement to get this issue cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
While reviewing my consumer report I noticed a Bankruptcy being reporting. 
I attempted to dispute and get the Bankruptcy deleted for a few reasons. 

1. There were several inconsistent data points on my consumer report causing it to be inaccurate. 

2. XXXX and XXXX stated that the US Bankruptcy Court reported the bankruptcy however, when I contacted the US Bankruptcy Court they stated that they do not report to credit reporting agencies, but obtained my public record from a Corporation called XXXX XXXX. XXXX XXXX used a database called XXXX to collect information about me, which is an infringement Upon my right to Privacy. Nor did they have a Permissible Purpose to my Written instruction ( Consent ). 

3. Trans Union stated that the US Bankruptcy Court reported the bankruptcy however, when I Contacted the US Bankruptcy Court they stated that they do not report to credit reporting agencies, but obtained my public record from a Corporation called LCI. LCI used a database called XXXX to collect information about me, which is an infringement Upon my right to Privacy. Nor did they have a Permissible Purpose to my Written instruction ( Consent ). 

( Violation 15 usc 1681 ( a ) ( 4 ) " Infringed Upon a Consumer right to privacy '' ) ( Violation 15 usc 1681b ( a ) ( 2 ) '' No Permissible Purpose/No Written Consent In Addition, FTC state , The Gramm-Leach-Bliley Act requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data.Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Is your company following the requirements of the Privacy Rule? 

No, you are not following the requirements. As stated above my privacy as been violated Under the Gramm Leach Bliley Act. 
15 U.S. Code 6801 - Protection of nonpublic personal 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 non-monetary relief
Consumer complaint received 2019-06-07
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: Problem with personal statement of dispute

Complaint:
EQUIFAX REFUSES TO BLOCK FRAUDULENT ACCOUNT FROM MY CREDIT REPORT, PER FCRA 605B ( 15 U.S.C. & 1681c-2 ) CIVIL CODE STATES THAT ONCE THE FTC REPORT HAS BEEN RECEIVED AFTER 4 BUSINESS DAYS THE FRAUDULENT ACCOUNT NEEDS TO BE BLOCKED FROM CONSUMERS CREDIT REPORT. MY FTC REPOT HAS BEEN SUBMITTED NUMEROUS TIMES TO EQUIFAX CREDIT REPORTING BUREAU. I AM A VICTIM OF AN IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: USCB, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I was informed that three collections had been added to my credit report. Upon searching for a number and after speaking with several reps that looked up my name, number, and social security number to no prevail ; I finally was able to speak with someone who found the collections, even though I was not in their system. She stated that there was 5 collections in total, even though only three are being reported and she couldnt tell me why the other 2 were not being reported. She also stated that she couldnt give me any information on these collections, but I could go to care.uscbamerica.com to request an itemized list immediately. I went to the website, and once again it was a dead end with no records and an error message and it did state that it takes up to 4 weeks to receive a list ; which was not what was told to me. I asked if I were to pay the amount, if it would be removed from my report. She stated yes, that it would be completely removed from collections. Her team lead stated otherwise when I had called back to make a payment. This company didnt have my address, phone number, or SSN nor have I received any type of bill or notice of the original debt and the collection debt. I feel this may be a fraudulent attempt to collect money, or possibly a fraudulent company as an entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021. I sent a notarized letter and affidavit of truth, certified all documents. THD/CBNA failed to reply and validate the debt of the account on my credit report. As a consumer my rights have been violated. My social security number and personal information has been shared with this company. I did not give THD/CBNA any consent or authorize any accounts with them. According to 15 USC USC 1692 the debt must be validated. Without any validation with the 30 days, the debt must be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
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: Was not notified of investigation status or results

Complaint:
I have disputed the student loan XXXX XXXX, XXXX XXXX with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The reporting of inaccurate and outdated information. This is causing damage to my reputation, my character, and mode of living. I have tried several times to have these mistakes completed. Also, not to mention the data breaches as well of these reporting agencies who is not keeping their promises. This is very time consuming, and they have had several times to fix the errors and mistakes, but they choose not to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: M&T BANK CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
per the FCRA as a federally protected Consumer I am now Opting out of ANY and ALL Authorization I the consumer may have giving you Written, Unwritten, and none verbal agreement. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2023-09-23
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:
I am submitting this complaint against XXXX, XXXX, and Transunion credit bureau regarding the hard inquires on my credit within the last couple of years. I am submitting this complaint because I have contacted all three credit bureaus dispute department via telephone several times to dispute hard inquires that do not belong to me, nor did I authorize these companies to review my credit report. I have disputed the hard inquires on the website on my account. Nothing gets processed or resolved, I receive dispute resolution within hours after filing the dispute online. On the XXXX website under disputes on the members account, it states " Inquiries can't be disputed online. If you believe an inquiry is the result of identity theft, contact us at XXXX. '' I have attempted to resolve this matter several times by calling the disputes department and I was advised that members are not allowed to remove hard inquires on credit reports. All hard inquires stay on the credit report for two years. I am submitting this complaint because there are hard inquires on my credit report that I did not authorize nor belong to me.

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 2022-03-23
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/XXXX, I went to a time share presentation with my new husband by XXXX, a subsidiary XXXX XXXX. The time share said they were using my social security number to check if I was eligible for the time share and mentioned along the way that I was eligible for a credit card. I told them I wasn't interested in any of the products and signed a piece of paper declining services. Later that day I received an email " confirming my new credit card from XXXX. '' At no point did I agree to a credit card and it was signed up for using my maiden name. I hadn't told the presenters I took my new husband 's name so they signed me up using my maiden name without ever asking my current name. They didn't even ask if I wanted the credit card but I had told them I didn't want to take on any more debt specifically. This is really bad. My new husband and I were in the process of applying for a HELOC to pay for our wedding and I am incredibly worried their fraud is going to prevent me from being able to pay for our wedding. I need help getting out of their credit card and repairing my credit score. Thank you for anything you can do!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Inquiries and late payments wont come off 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 2020-03-13
Company: Unisa, Inc
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had a Perkins loan through XXXX XXXX University that I was paying through the loan servicer, XXXX, along with some other student loans. I graduated in XXXX and began paying on these about 6 months after that. In XXXX, my loans from XXXX were transferred to a different servicer, XXXX, and I then continued paying them. 
Recently, I received a full credit report from XXXX  and was made aware that this Perkins loan was in default, dating back to XXXX when my loans were transferred from XXXX. After contacting XXXX XXXX University on XX/XX/XXXX about this I was made aware that this Perkins loan was actually transferred to a loan servicer, UNISA, and not to XXXX with my other loans. 
However I was never contacted by UNISA or XXXX XXXX to be made aware of this change in servicer. Therefore I had no information to make payments and I believed I had been paying this Perkins loan through XXXX along with my other loans that were previously with XXXX. Once I found out this information I immediately paid this Perkins loan off in full on XX/XX/XXXX so that it was no longer in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to file a formal complaint regarding a collection account labeled " XXXX  XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress XXXX XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress XXXX XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

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 2022-03-23
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX, I inquired with a loan officer from Chase Bank to refinance my mortgage on my condo, which I informed him was unwarrantable. He represented that he had done many closings there before, it would be a 60-day process, and he would be able to assist me through the process. On XX/XX/XXXX, I received a loan estimate stating the interest rate would be 2.49 %, with no points and {$2900.00} of closing costs. From there, the process was handed from my loan officer to a customer care specialist. Although I uploaded all documents requested in timely fashion, the customer care specialist was unresponsive and the closing ended up being on XX/XX/XXXX, almost four months after the process began. He informed me the delay was because he had no experience with unwarrantable condos and was not aware we needed to schedule an appraisal. My final closing disclosure stated that my interest rate would be 2.75 %, with {$3800.00} ( {$1100.00} due to points ) in closing costs. I raised concerns about the new terms which I wasn't aware of. However, I was encourage by both the loan officer, and customer care specialist to follow through closing because they would refund me the cost of points and a customer care credit of {$500.00} due to the new rate and my experience. It is now late XX/XX/XXXX and I have not received any of the promised refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020 I logged into Tidewater XXXX XXXX website expecting to make a final loan payment of XXXX and discovered that the final payment jumped to XXXX since last week. I spoke with a representative online about the difference in payment and she told me that there was never a payment of XXXX in the system. Ive filed a complaint with this company once before about their deceptive practices and their was even a class action law suit against them for extorting People for balloon and bogus charges. I was excited to make my last and final payment and now this. This company is the worst with their Mafia tactics to keep you forever in debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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 have contacted both creditor and credit bureaus and haven't heard back from them. no dispute investigation has been opened up.

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 2023-06-15
Company: EQUIFAX, INC.
State: NJ
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief