BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A letter was sent to Experian asking that the accounts be removed. They removed XXXX accounts and none of the others. 
There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am demanding the reporting of this information be blocked and deleted. My demand to block is not in error nor is my demand to block the identified transactions. The identified transactions by me as the consumer. 
Experian is required to do what I am demanding and block each account and or transactions from being reported to my consumer report within 4 days from the date of this complaint.

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 2023-07-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$460.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
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: Their investigation did not fix an error on your report

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: National Collection Systems, Inc.
State: VT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a paid all my debt to XXXX  XXXX XXXX  XXXX XXXX loan nothing is outstanding. 

I declared bankruptcy : XX/XX/XXXX, reference # XXXX Discharged Court : XXXX name : XXXX XXXX XXXX XXXX Dispute Results Report Created On : XX/XX/XXXX File Identification Number : XXXX Your Investigation Results INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

NTL CREDIT MGMT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account Details Account Number # XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$230.00} Original Amount {$230.00} Original Creditor XXXX XXXX XXXX  ( Educational ) Past Due {$230.00} Pay Status >In Collection<

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, I am writing to express my disappointment and frustration with your disregard for federal law and your failure to comply with my dispute letter and follow-up letter, both sent through registered mail on [ date of dispute letter ] and [ date of follow-up letter ], respectively. Despite receiving both letters, you have yet to fulfill your duty as mandated by law. This non-compliance is unacceptable and contemptible, and I am left with no other choice but to file a complaint with the Federal Trade Commission ( FTC ). 

As you are aware, federal law requires you to respond to dispute letters within 30 days. Your non-response is a violation of the regulations set by the FTC ( see 15 USC 41, et seq. ). I have documented all my communications with you on this matter and will file a complaint with the FTC should you continue to neglect your legal obligations. 

I remind you that your willful noncompliance may result in liability, as in the case of XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.CaI. XXXX XXXX, XXXX ). 

For the record, I have informed you on two separate occasions, more than 75 days and again 40 days ago, that the following information on my credit report is inaccurate and incomplete : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX I request that you immediately remove this erroneous information from my credit report. Failure to do so will result in a formal complaint with the FTC. 

If you continue to disregard federal law, I will pursue legal action for recovery of damages, costs, and attorney fees. I am keeping a detailed record of all my communications with you, including your non-response and noncompliance. 

Please provide the name, address, and telephone number of each credit grantor or other subscriber as required by federal law. You had 30 days to complete your re-investigation, yet you have failed to respond. I request that you provide a description of the procedure used to determine the accuracy and completeness of the information within 15 days of the completion of your re-investigation. 

I hope to resolve this matter quickly and amicably. Please contact me at the telephone number above to confirm receipt of this letter and to discuss the steps you plan to take to correct the inaccurate information on my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
IAM requesting XXXX, XXXX, and TransUnion, to BLOCK and DELETE, IMMEDIATELY, all accounts, addresses, employers, inquiries, names, listed on my Police Report, below, Effective this Wednesday, the XXXX of XX/XX/XXXX, at XXXX est, as a result of being a victim of Identity Theft, by losing my Birth Certificate, Drivers License, and Social Security Card , at XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. LITIGATION - I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715, 719. I presume no evidence of the Alleged Debt therefore exist. Peace Family TransUnion : Also Known As : XXXX, XXXXXXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Name : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Accounts 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 Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Accounts : XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XX/XX/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 2021-12-24
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : - XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX VERIFY Inquired on XX/XX/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 Balance : {$420.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance XXXX {$440.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX : {$3300.00XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$290.00} XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, my name is XXXX XXXX and 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 from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.

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 2023-05-10
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Options Equifax Inc. 
XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : Recently I received a copy of my credit report which show inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent. 

XXXX XXXX XXXX ( auto ) XXXX XXXX XXXX XXXX XXXX ( auto ) XXXX XXXX -XXXX  XXXX ( bank ). XXXX XXXX XXXX XXXX ( finance ). XXXX XXXX -XXXX XXXX ( finance ) XXXX XXXX -XXXX XXXX XXXX finance ). XXXX XXXX -XXXX  XXXX ( finance ). XXXX XXXX -XXXX ( bank XXXX. XXXX XXXX XXXX ( bank XXXX. XXXX XXXX Also be advised the Fair Credit Reporting Act states that any information that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries. 

If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. 

I have sent this letter because I need your prompt response to this issue, and I need written correspondence as evidence your company is acting upon my request. If you find that I am remiss and you do have my authorization to inquire into my credit report, and then please send me proof otherwise. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
In late XXXX, State Farm XXXX XXXX transferred my and my husband 's joint CD, as well as each of our individual Traditional IRA CDs to US Bank. Prior to this transfer, we received quarterly communications from State Farm and had a local person to speak with about issues. After the transfer, US Bank sent us virtually no communication on balances, renewal dates, or interest rates. There is no branch within XXXX miles of my home, so we could not visit them in person for this information. The only thing that we saw regularly ( annually ) was our IRA required minimum distributions. When I finally had my daughter help me gain online access to these US Bank accounts ( I'm XXXX XXXX XXXX and not computer literate ), I saw that my IRA CD had been renewed in XXXX at a 0.05 % interest rate with no communication of that renewal whatsoever. 

My husband has been in a XXXXXXXX XXXX since XX/XX/XXXX, and I have very limited financial resources given the bills I am paying for his care. My IRA, valued at approximately {$36000.00}, is one of the few assets I still have. However, given the paltry interest rate I was receiving from US Bank, I transferred the IRA to a financial institution closer to home so that I could better manage it and get a better interest rate. I was appalled to see that when the transfer occurred, the balance was reduced by over 3 %. I called US Bank twice to understand why. The first time, XX/XX/XXXX, I was not given much information other than that it was a fee they charged for transfers outside of the renewal period. I asked to speak with a manager. He - XXXX XXXX- was not available but I was promised he would call me back within 24 hours. I still had not received a return call as of today, XX/XX/XXXX, so I called US Bank again. All I was told is that the 3 % fee is not able to be waived and that they would log feedback for XXXX XXXX since he did not call me back. I can understand losing a few months interest, but losing 3 % of the entire balance with zero communication from US Bank about their fee / penalty structure is outrageous. For an older person with limited means, it's robbery with no warning.

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 2023-11-06
Company: Transform Credit Inc.
State: GA
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:
On XX/XX/2023, Transform Credit Inc report a new installment loan account to my XXXX credit report with a balance of {$3100.00} with a monthly payment of {$5.00}. In XX/XX/2023, I applied for Transform loan but was informed that I needed a co-signer in order to receive it. I could not identify a co-signer at the time so I never received the loan. I was shocked to receive an alert that the loan had been added to my credit report and I never received the funds nor completed the promissory process. I disputed the results with XXXX on XX/XX/2023. Transform emailed me on XX/XX/XXXX and explained via email that when I applied for the loan with them, " each month you pay {$5.00}, which we report to the Credit Bureaus as interest against a loan that is held on your behalf. These successful payments build up your credit history, helping to improve your score. Once the 24 months have passed, or if you decide to cancel/stop paying, XXXX is simply marked as paid in full ''. They claim that this service is optional, but I was unaware when I applied online and never received a receipt for these {$5.00} payments so do not recall ever making such a payment. Even though I cancelled the XXXX XXXX XXXX, Transform told XXXX that the {$3000.00} loan should " Remain '' on my credit, which is completely inaccurate. Having an installment loan reported in this amount and I have never received funds for a loan is misleading and negatively impacted my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief