BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: LA
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 XXXX of 2017, Equifax announced it experienced a data breach, which impacted the personal information of approximately 147 million people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. Equifax denied any wrongdoing but in fact did misuse, sell and experience a data breach that resulted in negatively effecting a large number of people. I have been found as one of those who has been impacted and would like this matter resolved immediately. I have went on XXXX website and filled out the eligibility process and have been found eligible they have admitted that my information was breached, leaked, given without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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: Was not notified of investigation status or results

Complaint:
I sent a letter multiple times to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I recieved a letter from Navy Federal Credit Union ( NFCU ) dated XX/XX/2022 stating that I had been denied a line of credit after I've submit and application on XX/XX/2022 for the purchase of a used automobile. The letter also informed me of my " credit score '' and the day they made a consumer report inquiry. The letter also stated that they " are unable to give specific reason why we denied credit to you. '' This leads me to believe that this is a discriminative action due to my heritage. This is a direct violation of 15usc1691a ( 1-2 ) I am of the XXXX XXXX XXXX and we are often treated unfairly. Their action of " denial of credit '' also is a direct violation of my federally protected consumer rights according to 15usc1681m and 15usc1691d ( 6 ) ( Adverse Action ) 15usc1681n ( willful non-compliance ), and 15usc1681o ( negligent non-compliance ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Reliant Capital Solutions, LLC
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
reliant capital solutions repeatly calls my spouse about my debt. I have a debt with XXXX XXXX and my husband is listed as my emergency contact on file at the university. I did not opt into sharing my information with another person. I contacted reliant capital solutions and expressed to them that they are not to contact my husband about my debt and I was told tht because he is my spouse they can discuss my debt with him. The told me it is legal to discuss my debt with my spouse. My bill with XXXX  is not a joint debt it is my debt. I asked the person that answered the phone to point me in the direction of the law that says she can talk to my husband or contact my husband without my permission and she refused to share that info with me. she kept saying she can call him because he is my spouse. I eventually informed her that they need to contact me and only me about my debt and I hung up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: VA
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:
This complaint is with Equifax I filed a dispute on my credit report on XXXX with a collection on my account the collection name that appears on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX This company has changed its name when I called this collection and bill has been paid in full their is no balance the full payment was made on XX/XX/2022 in the amount of {$110.00} I provided a copy of my proof and evidence to Equifax and they said they investigated the collection account and it remain on my credit report apparently Equifax didn't investigate because I provided my receipt and they should have made the corrections and deleted XXXX XXXX XXXXXXXX XXXX I'm also going to provided the receipt also to XXXX that this account has been paid this company XXXX XXXX is making duplicate accounts collections when there was only one account that I already Paid in full also this company goes by the name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: SC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : {$2600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1100.00} ; XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: GA
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:
I've sent 2 certified letters to XXXX XXXX regarding a credit card account with a past due balance of XXXX that appears on my credit report. Two different letters were sent to verify and validate the accuracy regarding the balances and whom is responsible for servicing the account. No letters have be answered. 

I contacted XXXX XXXX via phone regarding the account and they advised another party is servicing the account that is appearing on my credit report and they provided a phone # and address. I sent a certified letter with matching certified numbers on the letter addressing my concerns on XX/XX/2022 and not received any correspondence as of XX/XX/2022. 

My integrity is being compromised as I am attempting to better my family and not being able to handle these credit reporting issues are hindering my abilities to do so.

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 2023-10-22
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
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: Their investigation did not fix an error on your report

Complaint:
There are XXXX ( XXXX ) Department of Education Loans ( XXXX XXXX XXXXXXXX XXXX XXXX ) on my credit report showing to be opened in XXXX and being over XXXX missed payments each. Both of these accounts were opened prior to XXXX and the last voluntary payment on either account was in XXXX. The accounts keep getting fraudulently " reagged '' to keep them on all three credit reports ( XXXX, XXXX, and Transunion ) even though they were defaulted over XXXX years ago. Each time the loans get transferred they treat it like a new account and start the XXXX year reporting window over even though this was without my consent. I have disputed this with all XXXX agencies and directly with Department of Education ; however, nothing is done to remove them, and the credit reporting companies fail to even do a basic investigation and just rubber stamp and participate in the fraud being perpetrated even though they clearly know it is too old to be reported and is a violation of the FCRA. 

I would like the CFPB 's assistance in forcing the XXXX credit reporting companies to comply with the FCRA. 

Please note I would like to retain my right to bring litigation for damages in Federal Court if this is not resolved.

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 2023-07-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My social security number is XXXX XXXX my complaint on equifax credit reporting agency there's a charge off from XXXX XXXXl it's fraud and supposed to be removed please have equifax removed that one averse account. And regarding XXXX XXXX there are four charge off accounts that are fraud please have XXXX XXXX removed them I have a fcc report on file and regarding experian there are 3 negative items that are fraud I have a fcc report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I've sent 2 certified letters to XXXX XXXX regarding a credit card account with a past due balance of XXXX that appears on my credit report. Two different letters were sent to verify and validate the accuracy regarding the balances and whom is responsible for servicing the account. No letters have be answered. 

I contacted XXXX XXXX via phone regarding the account and they advised another party is servicing the account that is appearing on my credit report and they provided a phone # and address. I sent a certified letter with matching certified numbers on the letter addressing my concerns on XX/XX/2022 and not received any correspondence as of XX/XX/2022. 

My integrity is being compromised as I am attempting to better my family and not being able to handle these credit reporting issues are hindering my abilities to do so.

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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act the accounts listed below has violated my federally protected consumer rights to privacy : 1. XXXX ACCOUNT # XXXX 2. XXXX XXXXXXXX XXXX  # XXXX ACCOUNT # XXXX 3.XXXX XXXX XXXX ACCOUNT # XXXXX 4. XXXX ACCOUNT # XXXX 5. XXXX XXXX ACCOUNT # XXXX 6. XXXX XXXX ACCOUNT # XXXX 7.XXXX XXXX XXXX  ACCOUNT # XXXX 8. XXXX XXXX XXXX ACCOUNT # XXXX 15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C. 1681 SECTION 602A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

CLEARLY I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO THE CREDIT REPORTING AGENCY THEREFORE THEY ARE IN VIOLATION OF MY FRDERALLY PROTECTED RIGHTS.

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 2022-05-26
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 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 2023-12-13
Company: Experian Information Solutions 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:
XXXX XXXX and XXXXXXXX XXXX are FURNISHING LATE TRANSACTIONS on my consumer report and I DEMAND that you exclude the following transactions from my consumer report immediately on the basis of 15 USC 1681a Definitions ; Rules of Construction ( 2 ) EXCLUSIONS-CONSUMER REPORT DOES NOT INCLUDE ( A ) ( i ) report containing information solely as to TRANSACTIONS OR EXPERIENCES between the consumer and the person making the report. I will be collections {$1000.00} per violation on my consumer report per 15 USC 1681XXXX XXXX for XXXX XXXX if these transactions are not immediately removed! 


I have uploaded my XXXX for proof of identity ( address will be changed asap ) AND A COPY OF MY LEASE for proof of address so you can STOP stalling by asking for information that I had already sent on multiple disputes via certified mail, which I have proof of!

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 2023-08-17
Company: MECHANICS BANK
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:
In response to Consumer Financial Protection Bureau Complaint XXXX Revised Letter On XX/XX/2023, I went into XXXX XXXX XXXX XXXX to see about the possibility of purchasing a vehicle. I did sign a piece of paper that XXXX XXXX XXXX will ask for identification to confirm how I am and that is all I signed, once. Also stating that it is XXXX XXXX XXXX I am applying for a car loan with. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan offer, I finally got up and went home. When I returned home, I seen that there are seven other banks on my XXXX  account that says I applied for credit with them. So, I did make a report to the Office of Attorney General of California and when I received a mailing from The California Office of Attorney General in the mailing it shows that XXXX XXXX had slipped two other documents that I was not shown on XX/XX/2023. On the second page labeled XXXX XXXX XXXX it shows that I agree to submit this application and any other application to other banks that XXXX XXXX XXXX Dealership discloses to me. I did not sign this page labeled XXXX. I know in my experiences in going into car dealerships that car dealership ask to consumer being me to sign every single page show to the consumer to prove the prove that each page was shown. I attached a copy of my credit report I t shows that I have a sixteen-year credit history with zero accounts that have ever reported me late I also I on car loan I paid off in XXXX and one car loan current and in good standing. I have one open credit card with a {$7000.00} credit limit and a balance of {$110.00}. Does this look like someone who does irresponsible things with their credit reports? I have submitted my current XXXX Credit Report to prove it. I havesubmitted a document stating that I sold my XXXX at XXXX the next day. It shows XXXX paid off the car loan I currently had which then left me with {$8200.00}. I have also enclosed a document stating that I purchased a beautiful XXXX XXXX at XXXX XXXX XXXX XXXX on XXXX. I submitted documents showing that I paid the IRS taxes in the last two years. I can submit documents showing that I worked as a humble Door Dash delivery driver for the past two years plus. I can submit all these documents to show I take my business. I also see that XXXX XXXX XXXX XXXX uses a system from a company called XXXX XXXX XXXX XXXX. They say their service provides car dealers with a credit score to help the car dealership offer a loan for the consumer, so why all the other loan applications made to other banks on my behalf that day ( Loan applications I did not approve of I remind you )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
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: Reporting company used your report improperly

Complaint:
Update my personal information, delete the accounts violating the FCRA and the unauthorized inquiries

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 2022-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A few months ago a fraud account was opened under my name with Bank of America. They ended said account, but now just this morning another account was opened and approved under my name. 

No action taken to protect my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: MA
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 asked credit companies to validate the date and provide me documentation that shows who sign up for these accounts and despite my letters to them to do so they have not done so. I have reported these accounts to the police as fraud : US dept of ED acct # XXXX XXXX Bank acct # XXXX Alleged XXXX  Account # XXXX : LOAN : XXXX XXXX Subsidized Amount XXXX XXXX LOAN : XXXX XXXX Unsubsidized Amount $ XXXX LOAN : XXXX Career Training Amount $ XXXX LOAN : XXXX XXXX Unsubsidized Amount $ XXXX LOANS TOTAL AMOUNT {$13000.00} . 
Please see attached statement. 
Ref : Alleged Account XXXX - XXXX XXXX XXXX , Social Security XXXX XXXX XXXX  ACCOUNT [ XXXX ] Re : XXXX XXXX  XXXX XXXX ] Re : XXXX XXXX Ref : Alleged Account # 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