BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
THE FOLLOWING ACCOUNTS ARE INACCURATE AND UNVERIFIABLE. 
1 ) XXXX XXXX XXXX XXXX 2 ) XXXX  XXXX XXXX XXXX I Have disputed the accounts listed above with all three of the following companys, ( XXXX, TRANSUNION AND XXXX ) These companys have failed to provide me with any proof verifying the accounts listed above. Which to my understanding a violation of my rights according to the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Payment History is incorrect and should not reflect 240 missed payments when account payments have been deferred for natural disaster/pandemic. Account lists payments currently on time which conflicts with payment history?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX  Account Number : XXXX 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX Account Number : XXXX 3. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX NumberXXXX 
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 also states a consumer reporting agency can not furnish a account without written instructions. 
I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a problem with Wells Fargo I issued a complaint last month but apparently, I had the wrong date. It was actually XXXX XX/XX/2012. I had just returned home from the hospital after an illness on XXXX XXXX,2012. The morning of XX/XX/XXXX I went online to check the status of my checking account & noticed that my checking account was empty. The bank had allowed XXXX to withdraw approximately {$1000.00} which was part of my social security. I was also charged {$100.00} for this service. Wells Fargo notified me that XXXX tried to withdraw an additional {$400.00} but they refused to do that. I want to know why they gave my money to XXXX on one occasion but not the other time. I was under the impression that only the IRS could take my money. I wasn`t aware of cfpb until my son told me last month. I appreciate your help in solving this problem. Thanking you in advance. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, 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:
I recently obtained a credit report from Equifax and since then I have been in severe duress. Given that there is an account on my report from XXXX XXXX XXXX - Account Number : XXXX. 

Regarding the confidentiality, accuracy, relevancy, and proper utilization of such information it is a violation of the Fair Credit Reporting Act permissible purpose provisions and my consumer privacy rights. 15 U.S. Code 1681b ( a ) states that consumer report agencies are strictly prohibited from using or obtaining consumer reports without a permissible purpose or my written consent.

Accordingly, under 15 U.S. Code 1681 ( a ) there is a need to ensure that all consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, accuracy, and a respect for the consumers right to privacy.

Furthermore, 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 according to 15 U.S. Code 1681s2.

Pursuant to 15 U.S. Code 1681i ( 5 ) information that is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Atlanticus Services Corporation
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Aspire credit card continues to unfairly charge me late fees. I have recently submitted a complaint against said company and got some feedback. However, before I could update my accounts to compensate aspire reinstating the account back active again. They just charged me excessive amounts of fees though the years. My balance should be {$340.00}. They reinstated my balance to over the credit limit immediately!! Unfair business practices at its best!!!! Please have aspire credit card to remove excessive charges from my account so It can rightly be in good standing! Lastly, they just charged me {$41.00} late fee and the account isnt even a week back active!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-28
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have a XXXX account in collections that i continue to pay on and been making small payments twice a month but in the month of XX/XX/XXXX i made payment on XX/XX/XXXX then next payment that i made was XX/XX/XXXX within 30 days.on XX/XX/XXXX th to XX/XX/XXXX my account was reported to the credit bureau with the balance of {$420.00} which was minus pymt on XX/XX/XXXX.i called to see why it was reported before 30 days and the representative was very rude about it and i asked for a manager n it took a while for him to agree to get me one.when manager came on board she adviced me its their discretion when to report my account even though i made a payment 3 days before.she was as rude about it as her representative.Im trying to fix my credit and was not happy to see it in my report which affected my score n making it harder for anything been approved, this is my debt and i have not refused to pay it as i was doing it i just want it to be removed from my credit report and have better representatives who are not as rude at ICSYSTEMS

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
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:
I am submitting this CFPB Complaint in response to the recent investigation regarding my credit report. I would like to express my disagreement with the findings and emphasize the importance of ensuring complete accuracy in credit reporting. It is my concern that the investigation did not thoroughly address the matter of contacting the creditors and agencies responsible for the information on my report. As a result, I am reaching out to the Credit Bureaus for further clarification on the following items in question, specifically regarding the accountXXXX XXXX XXXX XXXX Balance : {$0.00} I need the Credit Bureaus to address the presence of charge-off account on my credit file that is still being reported despite having a XXXX balance. This account have been fully paid off, and I am formally requesting the Credit Bureaus ' investigation into this matter. The continued charge-off status is adversely affecting my credit score, and its removal would be greatly appreciated. I would like to draw attention to the fact that the company agreed to remove the account in question once it was paid off. I kindly request that the Credit Bureaus honor this agreement and take the necessary steps to remove the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-08-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

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

15 U.S. C.1681s-2 ( A ) ( 1 ) person shall not furnish any information relating to 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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Information belongs to my XXXX brother and is falsely showing in my report hindering me from buying a house

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 2023-08-25
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:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy.

15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 JUST NOTICE THIS INACCURATE ACCOUNT REPORTING ON MY CREDIT REPORT AS OF XX/XX/2023. I HAVE NOT AUTHORIZED ANY OF THESE INQUIRIES OR ACCOUNTS DEOGRATORY OR IN COLLECTIONS. AS IAM IN THE PROCESS OF PURCHASING A HOUSE AND THIS IS STOPPING AND SLOWING THIS PROCESS. I WOULD LIKE FOR ALL INACCURATE INFORMATION TO BE REMOVED FROM FROM COMSUMER REPORTS N CREDIT BUREAS ASAP PERMANENTLY AND INDEFINITELY! THANK YOU

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 2023-04-30
Company: EQUIFAX, INC.
State: TX
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:
Hello! 

I have tried contacting these companies but nothing is working and these credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy According to 15 USC 1681s-2, 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on with this, The credit bureaus have Zero respect for the laws. 
they need to be held accountable for their action toward consumer thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing this personal statement to address the presence of inaccurate personal information on my credit report. It has come to my attention that certain items listed on my report are not reflective of my financial history, and I strongly believe they are a result of errors or identity theft. As a responsible consumer, I regularly monitor my credit report to ensure its accuracy and to protect myself from any potential fraudulent activity. Upon reviewing my recent credit report, I noticed discrepancies that do not align with my financial behavior. I have no knowledge of the accounts mentioned, and I firmly dispute their validity. As a victim of XXXX, transunion and the dark web, I am being impacted with misspellings of my name, fraudulent inquiries, addresses that is causing me issues in keeping my reports and my name credible. Anything I've not authorized, or approved, even what is incorrect is fraudulent with my information being exposed by the Credit Bureaus.

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 2020-04-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
debt incurred with this vehicle is not mine, as per law, there is no money, as per documentation, and my complaint to the IRS stating such. debt collector is a third party carpetbagger, intervening in my private personal, affairs, as per the constitution, " all things move in contract '', i have no contract with XXXX XXXX XXXX, and they are trying to extortion funds from me, why these XXXX are allowed to exist, in our society is incredulous. The FCR Act, states in no uncertain terms, that I am supposed to be notified, BEFORE any negative information, is placed in my credit file, that way i could dispute, this in advance, and not interfere with my constitutional, " right to contract '' neither NISSAN, nor XXXX XXXX XXXX, has done that, violating multiple Federal laws, in there pursuit of fraudulent, unjust enrichment, and trying to keep hard working American citizens, in FINANCIAL SLAVERY, U.S. v. Kozminski, 487 U.S. 931 ( 1988 ). Respondment believes they should be heavily fined, for there participation, in a RICO based, fraudulent scheme to XXXX Americans out of there assetts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 this 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 Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.

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