BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
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: Their investigation did not fix an error on your report

Complaint:
This letter is in response to your recent claim that EQUIFAX verified the accounts they are reporting are accurate. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please have the company provide the following : o The description of the procedure used to determine the accuracy and completeness of the information. 
o The name, address, and telephone number of each person contacted regarding this alleged account. 
o A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with their method of verification. 
The items in question are inaccurate and represent a very serious reporting error. They are listed below. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 


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. 

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 can not 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. 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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
The company for months claimed I owed them {$5400.00} I kept telling them I did not. Months prior I filed an identity theft report with XXXX XXXX police department in Connecticut, I told XXXX that my information was compromised by someone who claimed to be them. They just kept giving me the runaround This is a conversation between myself and a supervisor wherein they admit to filing fake inaccurate credit reports, I maintained my calm but this thing had been going on for some time and they continued to make errors and promises to correct them but did not. 

XXXX video of Conversation between myself and XXXX bank supervisor XXXX XXXX XXXX XXXXXXXX I sent the documents required to have the false reports removed from my credit file, but months have passed and nothing has been done.

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 2023-01-31
Company: Advantage Credit, 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:
On XX/XX/2023 a copy of my consumer report was obtained under false pretenses by Advantage Credit Inc whom I did not grant permissible purpose, nor consent and such action is deem unauthorized by me the consumer. 

Advantages Credit Inc has subsequently shared my private consumer financial credit information with a third party ( XXXX ) after obtaining my consumer file under false pretenses. 

No extension of credit or firm offer or insurance has been provided to me as consumer nor appropriate evidence that granted Advantage Credit Inc with my express written consent and permissible purpose to obtain my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Certegy Holdings, LLC
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I wrote a check to XXXX XXXX and had it was declined. I was shocked as I have had my account for almost 20 years and never had a returned check. When I called Certegy, the company used by XXXX XXXX to " approve ' the check, I was unable to reach a live person for a response. I then went online and the response indicated there are several factors and that ultimately XXXX XXXX is responsible for the check cashing guidelines set ; however, I could obtain 'more information ' but they would need items such as my social security number to provide that. My social security number was not used in making this transaction/decision and should not have been a factor or needed to provide a response. 
I then contacted XXXX XXXX and requested a written copy of the guidelines set by their company and was unable to obtain a copy. XXXX XXXX indicated that Certegy for was wholly responsible for the guidelines set. 
As previously stated, Certegy 's response was vague and did not provide guidance related to the specific reason for denial and how it pertained to my prior check writing history. Certegy ultimately put responsibility back on the retailer. I did not consent to Certegy obtaining any of my personal information so it is unclear what information they used and how it was used and I did not feel comfortable providing information that I did not provide to make the check writing decision so that they could provide additional information. My prior history writing checks at XXXX XXXX, the length of my deposit account and my check writing history would not be a reason for denial as I have never had a returned check to XXXX XXXX or on my account. 
Certegy Reference # XXXX Date XX/XX/2023

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 2022-02-19
Company: CITIBANK, N.A.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries on my report that is not mine. I have contacted the companies, XXXX, and XXXX to try and have it corrected but no action as of yet. I could really use your help to correct these fraudulent inquiries. 

XXXX = Citibank NA XXXX XXXX = XXXX XXXX XXXX Citibank NA XXXX XXXX = XXXX. XXXX XXXX Citibank NA XXXX XXXX = XX/XX/XXXX XXXX XXXX XXXX =XXXX. XXXX XXXX XXXX = XXXX. XXXX XXXX XXXX = XXXX XXXX = XXXX. XXXX XXXX XXXX XXXX = XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: C.Tech Collections, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
So I have received the same collection notice about a {$100.00} XXXX XXXX XXXX XXXX bill from CTech Collections and have confirmed with XXXX  I have a XXXX balance under Acct number XXXX. Despite calls to CTech they continue unabated with harassing phone calls and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
According to the Fair Credit Reporting Act ( FCRA ), the accounts mentioned below have violated my federally protected rights regarding privacy and confidentiality, as detailed in 15 U.S.C 1681. 

Account Name : XXXX XXXX, formerly known as SIMPLE Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/ XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX All the accounts listed above have infringed upon my rights. Section 602 A of 15 U.S.C 1681 confirms my right to privacy.

Additionally, as per Section 604 A, Section 2 of 15 U.S.C 1681, a consumer reporting agency is prohibited from disclosing any account information without my prior written consent.

Section 1681c ( a ) ( 5 ) of 15 U.S.C stipulates that no consumer reporting agency can include certain adverse information in a consumer report, except for convictions of crimes that occurred more than seven years prior to the report.

Lastly, under Section 1681s-2 ( A ) ( 1 ) of 15 U.S.C, it is illegal for any entity to provide inaccurate information about a consumer to a consumer reporting agency if they have knowledge or reasonable cause to believe 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 non-monetary relief
Consumer complaint received 2023-02-20
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 fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer reporting agency if the person know 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 2023-02-15
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a FHA loan. My loan was with XXXX XXXX and on XX/XX/2022 I was sent a post COVID forbearance modification. It said that my first payment was due XX/XX/2022. Beginning XX/XX/2022 I started calling XXXX XXXX XXXX to make the payment. XXXX XXXX XXXX would not accept my payment and they told me I had been transferred to XXXX. I did not receive a welcome letter from XXXX giving me a new loan number or a phone number to call. I continued to call XXXX XXXX XXXX and XXXX and neither lender could find my loan or would accept the payment. Finally I received my welcome letter from XXXX with my new loan number. I then made my payment in XXXX and XXXX to XXXX because I then had a loan number where they could identify my loan. I feel as though I lost an oppurtunity to receive FHA assistance that should have been available. XXXX is now stating that the modification is no longer available. I tried to follow the modification, however they sent it to me weeks before payments were to start with no indication of how to make the payments. I feel that the transfer between XXXX XXXX XXXX and XXXX made it impossible for me to adhere to the rules of the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had a secured Discover credit card for 13 months. Despite promises to review the account after 7 months to transition to an unsecured card, my card remains secured. I have had no late payments, no high balances, no red flags anywhere. I have checked my credit report and there are no derogatory items over the last year. According to the information provided by the companys agents and website, I have met all of their criteria to obtain an unsecured card. Discovers agents tell me the process is automated, and no human can intervene. Of course this makes no sense. The company is not run by computers, it is run by humans who have a responsibility to investigate when a problem is identified. I believe Discover is running a scam by holding on to card holders security deposits for longer than is promised, thereby creating revenue for the company with funds from people recovering from financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
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: Information belongs to someone else

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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 2022-01-29
Company: Navient Solutions, LLC.
State: OH
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:
After nearly 20 years of payments and struggling at times thru fear of non payment I was misled from day 1 at XXXX XXXX XXXX with having a low credit score a predatory lending, beyond the compounded accrued interest owed during times of deferred and forbearance, I have tried so many times to contact them to just get my transcripts despite my inability to afford to finish my program. This horrible experience with XXXX XXXX XXXX and Sallie Mae then Navient has disrupted my life and for far too long I owed more than the original loan. I request all interest and late fees back and origination fees. Totaling approx {$1500.00}. I have paid money for my transcripts 3 times and they wont release it. That alone has cost approx {$100.00}. I cant get historic records they wont answer my questions without paying another {$250.00} to release my transcripts. 
{$1700.00} is a conservative request considering the devastation caused by my credit scores properly reported and getting inaccurate tax information and no access to statements. Im devastated. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft and I never opened this account. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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 2022-01-29
Company: EQUIFAX, INC.
State: NV
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've tried to get this info corrected with all 3 reporting agencies. This collection from XXXX XXXXXXXX XXXX for {$930.00} is erroneous. I've always had XXXX XXXX XXXX 've spoken to XXXX in the past and I was assured this would be removed.I also confimed with XXXX XXXX XXXX there was no balance due on my part. I'm getting no where with this issue. I've been denied credit due to this incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a complaint against TransUnion, one of the three major credit reporting agencies, for inaccurately reporting the account status of my XXXX  XXXX account ( Account Number : XXXX ) on my credit report. 

Despite my efforts to rectify the situation with TransUnion, they have failed to update my account status and payment information. Specifically, TransUnion is reporting the account as " derogatory '' and has not updated the payment status to " paid account, '' which is incorrect. I have already provided the necessary documentation to TransUnion that supports my claim, yet the inaccurate information remains on my credit report, causing negative effects on my credit score.

As required by the Fair Credit Reporting Act ( FCRA ), I have attempted to resolve this issue directly with TransUnion by submitting a formal dispute letter. However, TransUnion has not adequately addressed my concerns and has not taken the necessary steps to correct the inaccuracies on my credit report. 

Given these circumstances, I am requesting the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure that TransUnion corrects the inaccuracies on my credit report. I kindly ask that you review the documentation provided and take appropriate action to protect my rights as a consumer. 

Please find enclosed copies of my dispute letter to TransUnion and any relevant supporting documentation. I am available to provide any additional information or documentation as needed. 

I appreciate your prompt attention to this matter and trust that your intervention will result in a timely and satisfactory resolution.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting 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:
Ive asked experian to update my info in my account for over a year its caused me to be denied loans credit cards and other means of improving my life bc they refuse to simply update my information which will then show a accurate score. I believe if they can continue to add to my score or can cause it to lower the. They are obligated to keep my credit score updated and up to date. The experian site says it has not updated my info and will not unless i pay they will continue to issue out the wrong info according to my credit score.

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 2022-07-20
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: Account information incorrect

Complaint:
According to FCRA section 605b, credit reporting agencies are required to remove or block any accounts that are identified on an identity theft report. I've added a few files to help prevent inaccurate information from being posted on my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3400.00}

Company response to consumer: Closed with explanation